I have never had pet insurance. I got a new Frenchie from an extremely reputable breeder in Canada and she was already signed up for a "free trial" with Embrace for 2 months. Never in a million years did I expect she would acquire an autoimmune disease. This was her diagnosis after thousands of dollars of exhausting testing. I had a very sick little puppy. The GOOD news is Embrace paid me 5 thousand dollars (yearly max under the trial plan) NO QUESTIONS, QUICK AND EASY. The BEST news is she is now recovering. Needless to say I am signed up with Embrace for all my dogs forever!