After lots of research, I purchased embrace pet insurance when Baxter was just a puppy. Hes a basset hound and I was worried about future breed related health issues ( which hasn't been a problem). He is three now and I have filed a few claims this year with no issues at all. Responses have been polite and timely. This insurance makes the decision process easier for seeking treatment and allows me to focus on my pet rather than the bill. Like all insurance, you must read the coverage and limitations.