The pet insurance price tag is small relative to what it buys...PEACE OF MIND! Can never emphasize that enough!A friend of mine once said, "you don't buy insurance on your house hoping it would burn down! You buy insurance hoping it is there if/when you need it!" Same thing here.
The other BIG plus with Embrace (for me, at least) is that their reimbursement is bill based and not rate based. In other words, they pay a percentage of your bill (after your deductible is met), as opposed to some companies that set artificial thresh holds on "events/procedures" and then, to add insult to injury (pun intended), only paying a percentage of that.
It didn't take me long to figure out that their thresh holds were way below what any Vet would charge.