In a lot more debt, that's where. I signed up my pup for Embrace just 3 months ago. He was completely healthy prior to enrolling. Unluckily he's had 2 emergencies already since enrolling. Embrace has been so speedy at getting our refunds back to us. I've only paid for 3 months of insurance thus far, but made my money back, and more, for the entire next year! Thanks so much Embrace!