The last time I purchased a dog was 11 years ago and pet insurance was not widely known. My family recently purchased a Great Dane puppy and did extensive research in pet insurance and the benefits. Having a family member who has put out over $10,000 in cash for a puppy he got 6 months before us made up our mind. The unfortunate accident that my nephew incountered with his puppy was a deciding factor in us purchasing pet insurance. We did our research and found that Embrace was the best option for us. I wanted a plan that would cover not only accidents but wellness care as well. We are new members of Embrace and have been very pleased with their service. Thank God I've only had to submit wellness claims so far and have been very pleased with their quick response and reimbursment. If you are looking into pet insurance I would highly recommend Embrace for your pet.