I own two beautiful Great Danes, but come Great Danes comes large medical bills! We choose embrace because of everything it offered as opposed to other companies. It far beat out the competition! We have submitted several claims to Embrace and have had quick turn around times. When they take longer than expected on a claim they send an email updating you to assure you that your claim did not fall into a "black hole" and this is even before you contact them! I am so glad to have pet insurance because with two 140 pound dogs, the bills for anything triple and quadruple that of a small to medium sized dog!