I have had pet insurance of some kind on my almost 8-year-old BorderCollie since she was 8 weeks old and never filed a claim until this July. Since then, it has been one thing after another. Nothing atrocious (thank heaven!) but definitely requiring vet care. I switched over to Embrace several years ago, and every year I paid the premium I'd think - I probably don't even need this. But I'll tell you, the last 6 months, Embrace has been a lifesaver (I also have an almost 2-year-old wild puppy/dog - need I say more?) I keep waiting for a nasty letter to tell me to stop filing so many claims but instead all I get is wonderful service, quick reimbursements, and a feeling of relief. Thank You Embrace!