Pancho was rescued when he was a three month old Pomeranian mix puppy. Although he had not been very well taken care of, I thought that if he was given a quality diet in a clean and friendly environment, we would be able to avoid future health problems. But with poor little Pancho, if it isn't one thing, it is another. Shortly after bringing him home, I researched various pet health insurance companies. Embrace stood out because of their allowances and coverage policies. Getting the vet's office to submit claims when Pancho came down with a problem was the hardest part. Once the vet took seriously the fact that Pancho had health insurance, there was no problem getting reimbursed for the actions the had to take to test and remedy the problems Pancho has had. Now, Pancho seems to be in good health. I am very thankful that Embrace has been there for both of us. This pet insurance has given Pancho a better, healthier life than he would have had without Embrace.