I joined Embrace Pet Insurance last March after I was told Jaxs would need his teeth cleaned. In April Jaxs went to get his teeth cleaned and in a matter of 2 weeks I received a $400 reimubursement from Embrace. Even the vet's office, who "pushes" a competitor was impressed with the level of coverage. I don't ever feel like I'm wasting my money, because Embrace knows my pets and knows me and that's more valuable than anything. After months of research I'm positive it's the one pet insurance that is worth the money. It's nice to go to the vet and be able to do anything it takes to keep my dogs healthy and happy. Not too mention, getting an e-mail from who processed your claim, is priceless. I know the Embrace staff, and we aren't just another claim, we are part of their family. I don't have much extra money, but I'm glad that the extra that I have can cover my pets for the rest of their life.