Regardless of the premium, its well worth the investment.Vet costs are through the ceiling and catastrophic care is the most expensive a 4 to 5000 vet bill in some cases would end up in euphuism and that's not a choice I would want to make. And Some vets will allow assignment in lieu of euphuism. What a blessing. Embrace has a good name. In my opinion you cant go wrong. Dogs Cats just love o get into anything and that at times is very costly. If a person thinks Dogs and Cats are expensive own a African Gray Or a Macaw or any other exotic bird Know that's a costly pet.