I have a six year old dachshund who has been insured by Embrace since he was a puppy. He was a very healthy little guy, with zero insurance claims for the first four years of his life. So healthy, in fact, that I briefly cancelled his Embrace insurance policy because I thought it was unnecessary. A month after cancelling, my cautious side told me to reinsure him and it was the best decision I've ever made. Ten months after reinsuring him, Brody became paralyzed, diagnosed with IVDD. Two surgeries and a week long hospital stay later, his bill was close to $9,000. Embrace came through 100% and covered his surgery/stay to the full 90% called for under his plan. Brody was up and running again in no time! Unfortunately, Brody had a reoccurrence of IVDD 14 months after the first and again required surgery and a hospital stay ($7,000). That, and a few other mishaps the same year (snake bite, infection), brought his 2013 vet bills to almost $9,000 again. But, Embrace had us covered, and again provided a prompt refund of 90% of his vet costs. Pet insurance isn't cheap. But wow, it's a whole lot cheaper than $18,000 over two years in vet bills. No cost would be too much to spend on my little man, but Embrace has enabled me to give him the best care possible without breaking the bank.