I have a dachshund and I got Embrace pet insurance because they cover "breed specifice" illnesses. Dachshunds are very prone to back issues (IVDD) and I wanted to make sur that the pet insurance I bought would cover back surgery since it is very costly. I decided to get covered after hearing my neighbor's story with her dachshund in February 2015. Luck would have it that MY dachshund ended up having three slipped discs because of IVDD in April 2015 and needed back surgery. The surgery cost me $6,000 but Embrace covered 80% of it.
I was extremely afraid that Embrace would reject my claim for some ridiculuous reason, but they did not! They honored the claim and processed it within a week. Excellent company and worth the money to buy the insurance!