I decided to get pet insurance as I saw the forms at my vet's office. I chose Embrace. I did not expect that I would need to use it but as fate had it, one of my pets came down with a complicated chest / snout condition which has taken thousands of dollars to investigate and treat. Embrace surpassed expectations. Timely emails. Timely review and payment. Follow up. All easily accessible. Much easier than working with my regular health insurance. Two thumbs up.