I don't typically run to the vet unless I really feel it is necessary but when your dog swallows a razor, well it becomes necessary. I really could not afford a huge vet bill but I could not afford to lose her either. It 's nice to know that when you really need the help Embrace is there to help. They make submitting a claim effortless and they are gems to deal with. I'm 50 years old and didn't believe in pet insurance until I went with Embrace. I wish they did family health insurance!