I had two dogs before we got our puppy. One lived until 10 & the other until 13. One had lots of medical expenses & the other none. There was no limit to what I would spend on my pups but I struggled w/ the idea of pet insurance since my experience was split. I have been hearing some terrible stories lately about accidents/illnesses that happen to pets & I decided to get it with our puppy. I work in insurance so have an appreciation for the peace of mind it gives you but figured I would self insure for pet emergencies. I have heard too many stories recently about pet emergencies so I decided to get it & so far am happy with it. I think Embrace is a reputable company especially since my employer (a property insurance company) of 18 years has an alliance with them. It really does give you peace of mind.
Chesapeake Bay Retriever