This is my first experience with pet insurance. I got it for our Gt. Pyrenees puppy never expecting to use it 2 months later. On a holiday weekend he developed a squishy lump on his shoulder the size of a large fist. By the time we got to the emergency clinic 60 miles away it had more than doubled in size. They drained it but it filled up again and 2 days later his regular vet drained it again. He no longer looks like he's auditioning for a canine role as the Hunchback of Notre Dame.After looking at pet insurance plans I chose Embrace. They . I believe, are affiliated with USAA and our son has been very pleased with USAA.