We chose, after careful deliberation, to go with Embrace for our 3 yr old bulldog. We were a little nervouse because our dog has some kind of random issue throughout the years and we were afraid that he wouldn't be covered. We have already been to the doctor 2 times for these random issues since we enrolled with Embrace and we know we made a great choice. Each time we filed a claim, they responded right away via e-mail and were very easy to work with to complete the claim. We have saved so much money already and I wish we would have set this up earlier.