After my last dog, I decided to get pet insurance as soon as I got my new dog. I checked out several companies and liked Embrace's options the best. I signed up for the medical and the wellness options. The wellness portion definitely pays for itself every year, with the annual physicals and vaccinations, etc. The medical portion I've fortunately not had any catastrophes yet, but on the illnesses that have taken me to the vet, I get a partial refund on most. Obviously the real reason is in case she needs surgery or something else major. So all in all, I'm very happy with Embrace.