This was the first experience I have had with pet insurance. When I got my cairn terrier as a puppy, 5 years ago, I started with Embrace. First we had the Wellness plan. At age 2, I changed it to the Accident and Illness. All my other cairns were very hardy and lived to 16, so I just wanted peace of mind. My poor Bailey was diagnosed with lymphoma cancer last August, because I had Embrace,I was able to afford trying chemo to extend her days. We were blessed with 6 more months. The staff at Embrace are very kind and prompt with processing claims. Thank you Embrace.