My friend told me I should get pet insurance when I got my new puppy last November. I didn't even know you could get pet insurance. I have OCD so this type of security was right up my alley. My dog is a chewer so I was actually worried about her getting a blockage but she actually ended up injuring her leg to the point where she couldn't walk. The Embrace process is so easy and their customer service is awesome. My friend actually has VSI or VPI or something but I decided to go with Embrace based on reviews and I am glad I did. Sophie is doing much better! Note to prospective dog owners, get to know your breed and do not get high energy dogs if you do not have a yard.