I have never had pet insurance before and I really don't know why. I've been very fortunate with my pets through the years and have never had a seriously expensive surgery or accident. I am a former Vet Tech, so getting a little break from my employer was very helpful. But, I am retired from that field now and the cost of veterinary care has gone up so I took the chance with Embrace. I am very pleased with their quick responses and explanations and I believe they are a company that can be trusted. I'm very glad I got the wellness plan along with the accident plan and was able to get my pet's teeth cleaned. I have recommended them to my family and friends.