My love is for large breed dogs and their vet bills can add up very quickly. We lost our last rottie to cancer several years ago. I called him our platinum plated baby because we paid for all his expenses out of pocket. I don't regret a dime, but after several years of chemo treatments, I knew the next puppy we got would have health insurance. I did ALOT of homework into pet insurance before I settled on Embrace. Could not be happier 4 years later. Great company with great pet people. The 1st year our bullmastiff was perfectly healthly, then the 1st knee went, so here was the 1st TPLO, the next year the 2nd knee went with the same repair. Both are very costly repairs. Embrace does not predetermine what each breed of dogs are predisposed to and tell you they will not treat for that while others do. Why have the insurance if they are going to do that? While the TPLO's have been the major expenses, Embrace is easy to deal with on any level of treatment depending on what policy you choose. Again, this is a great company.