We decided to get pet insurance when our dog was still a puppy, just to have as a safeguard, figuring we would never use it. Boy are we glad we made that decision because Embrace has come to the rescue with a no-hassle claim system, polite and knowledgeable customer service, and prompt reimbursements for our claims. When our dog got suddenly sick last year, we felt so grateful that we could take him to the emergency vet and not worry about cost, just about him getting the best treatment possible. Now our pup is fine and so are our checkbooks! I recommend Embrace to all of my friends that are considering pet insurance.