I have had horrible experiences with another very popular pet insurance company years ago in the past, so I discontinued using a pet insurance for many years. When I recently got a new puppy, I decided she needed insurance, as young dogs are very accident prone. There are a lot more pet insurance companies from the last time I had any, but did my research and chose Embrace. Also, I luckily opted to get an orthopedic exam from my vet so any orthopedic problems would be covered immediately without a 6 month wait period, as just a couple months later, she injured her leg. Embrace was quick to acknowledge receipt and to let me know the status of the claim, let me know a check was being issued and followup that I received. I didn't get the runaround that I got from the other insurance company. So far, so good Embrace!
Australian Cattle Dog