I have never had health insurance for my dog before. I compared every insurance company out there and their policy options as well as prices for pet insurance policies. I chose to go with Embrace because I they had the most reasonable prices and I liked that they offered various options with the wellness program. I recently submitted a claim and I am very satisfied with the prompt and courteous customer service. I have had animals get sick before and I did not have health insurance for them and medical bills were astronomical. Knowing that I could not afford medical bills if my dog got sick or injured I knew I needed to get health insurance for him. The low monthly premium is well worth the money and the peace of mind that I have insurance in case my dog is sick or injured. I will and have recommended Embrace to other people as well as my veterinarian and his clients.