For many years I avoided getting pet insurance. I recently rescued a Miniature Pincher and she is so delicate in the legs I thought that it would be wise to get insurance.
All my dogs prior to her have been Jack Russell Terriers which are virtually indestructible, but my min pin is a very little, delicate girl. Embrace has made things very easy and efficient. They are also very responsive to question and they send tips that are useful and not just annoying. I would recommend them to my friends.