When we rescued our very hyper,happy,clown of a YORKIE we figured this would be the dog that would really need some insurance. Boy were we right. Within a couple months he broke the growth plate in a hind leg (now all better). He has had a corneal scratch, a foreign body lodged in his mouth and I'm sure there will be more to come due to his feisty personality. With EMBRACE we have "peace of mind" knowing that we will be able to afford the care to keep our beloved FINLEY with us for many years to come. He is only 2 years old now and has many more years of potential problems ahead. I pray we won't need Embrace for any catastrophe...but if the unthinbkable happens, we are prepared!