We bought a Great Dane puppy (because we're apparently nuts) and had done extensive research on the breed beforehand. One of the things that kept popping up was the significant health problems they can have. We had heard about pet health insurance but had never looked into it.
I'm a huge comparison shopper so I went back and forth among the leading pet health insurance providers' web sites comparing, getting quotes, etc. and finally decided to go with Embrace even though they were relatively new.
In the first two months of owning our Great Dane he had a severe case of roundworms, a bladder infection and gastroenteritis. We submitted all the bills ($511.82) within a short time period and waited to see what we'd get back. In reviewing the Explanation of Benefits, they covered almost everything and rightly did not cover a few minor items. After deducting our 20% copay (which we selected at signup) we received in relatively short order almost $200 back even after the $200 annual deductible (which of course we hadn't paid yet given we just got the dog).
I am very pleased with the coverage and the cost (only $48 per month). Our experience has me sold on pet health insurance generally and on Embrace specifically. They are very communicative via email (I haven't tried to call).
I recommend them.