Our dog seems to be going from bad to worse. But because we have Embrace Pet Insurance we can afford to take him to one of best veterinarian hospitals in the county. We just put in our second large claim and received payment in a couple weeks. My heart breaks for other pet owners who can't afford high vet bills and have to put their animals down. Whenever anyone I know gets a new pet, I beg them to get pet insurance and specifically recommend Embrace.