I have not been sorry one time since purchasing Embrace Insurance for, first, my dog Luce, and a year later (last month), my dog Conan. I lost 3 dogs on 3 months whose life may have been prolonged had I had insurance. So when I rescued Luce I made the decision to purchase pet Insurance. Only a few months after rescuing Luce she developed coronary and kidney problem's. These symptoms were noted before her first birthday. After all test my vet could perform were performed she was sent to Cornell Animal hospital. The best veterinary Hosp. in the country. She later developed joint problems, this occurred before she was a year and a half old. Embrace has been wonderful. I always get to speak with a person, and no claim has been denied. I recently purchased it for my year old Aussie named Conan. He has been of perfect health, thank God, but if he does get ill I have confidence Embrace will come through. I started with just the wellness plan, but have since added prescriptions. I purchased their heartworm and flea and tick medicine last month and the $ has already been refunded. Honestly, I had never purchased pet insurance and didn't know anyone who had it so I did some research, chose Embrace, and held my breath. I'm so happy I did. Great price's, great service. For under 100.00 both my dogs receive full coverage. Just another way of being a responsible pet owner.