Look, no one wants to buy insurance. I know. I sell it. But when you need it, when that emergency arises, you're darn glad you spent the money. It doesn't need to be expensive either and with Embrace, it's cost effective and I feel safe knowing my 140# puppy will be well-taken care of if the need arises. If she never gets sick or involved in an accident, I feel like I can count on Embrace. I'm happy I signed up nearly two years ago.