Thank goodness our vet visits slowed down a little this year. Our lab, Augie, was diagnosed with discoid lupus (an autoimmune disease that affects his nose only) and has seen the dermatologist more often than I have. The condition is under control now and our vet visits less frequent. Embrace insurance has been the best. I wish our health insurance was as good. We own a dog grooming business in Florida and recommend Embrace to all of our customers with dogs under 3 years of age.