I wouldn't normally not by "just in case" insurance; but having own a dog that "passed away" in Dec 2013.....you don't know how emotional it can be when you love of your life pet gets sick. Although, we would continue to spend whatever it takes for Haley to get well....the emotions involved and not knowing when to quit subjecting your dog to tests, tests, and more tests.....I wanted to safeguard my emotions.....and ensure I am making the right decisions for my pets. Embrace...definitely has the best interest for both pet and owner....The wellness plan and insurance is the best plan I have researched....I highly recommend Embrace to pet owners. Their communications are great! You really can't go wrong with the plan.