When I got my new puppy I decided it was time to get pet insurance. I didn't ever want to be forced to make health care decisions for my pets based on financial restrictions. I already had Barkley,a 10 year-old Maltese and had considered pet insurance before, but questioned if it was a scam. After researching on-line I chose Embrace because it offered wellness help as well.
Unfortunately, I got to test the insurance a couple of months after I got it when my older dog had serious effects from some degenerative discs in his neck. It gave me great comfort in a stressful time to know that I could do whatever was best for him and have some financial help with the bills.