I bought pet insurance because I don't ever want to have to put a dog down because I can't afford treatment. I chose Embrace because they had great ratings and offered the lowest rates for what I wanted, what I call "catastrophic coverage" (I chose a very high deductible). Well, my dog got bone cancer, and it was so nice being able to tell her specialists to do whatever needed doing because I had pet insurance. Embrace has paid my claims in a timely and always friendly fashion. The only downside was the time it took to do the medical history review, but that may have been a delay from her previous vet clinics.