My kitty was in a bad condition on Christmas Day (2013) and needed major surgery for bladder stones. Some people laugh at me when I tell them that I have pet insurance, but I am the one that is laughing last! I was with another pet insurance company prior to joining Embrace and let me just say that Embrace is FAR better. There are different tiers you can choose, but I chose the higher one with more coverage. Sure I pay more a month, but it worth it in the end, especially for surgeries, unexpected illness, or overall wellness care. His surgery cost over $5,000. Embraced reimbursed me for most of it!!!!!!!!!! Also my claims turn-a-round was fast. If you are currently shopping for pet insurance, I highly recommend Embrace!