We decided to insure our new puppy after the experience of caring for a bone cancer victim who outlived her prognosis, which was great but very costly to us. Sifting through the possibilities Embrace stood out not only for the structure of their plans but the customer reviews really pointed to a company that stood apart from its competitors. We have not been disappointed. Wonder is only 18 weeks old now, but she has had the usual puppy troubles, an intestinal parasite and then a urinary tract infection. Embrace has been prompt and fair in handling our claims. Their Wellness benefits program which actually pays out more than your premium is a great incentive to give your pet the best care possible. I( hope to have a long, satisfactory relationship with Embrace.