We have two dogs, and both are relatively young (one is 5 and one is 4). In discussions with friends, I found out they had pet insurance and it had been a lifesaver when her dog required ACL surgery. Something kept nagging at me to get pet insurance, and I am so glad I did. My 5-year old Husky ended up having extensive medical issues, that we NEVER would have anticipated. Embrace has been AMAZING through the whole process. The customer service is amazing.