Being unemployed and living paycheck to paycheck it is a huge blessing to have pet insurance that is affordable and with a great company that handles timely refunds!!! The biggest blessing and smartest thing I ever did is get pet insurance when my dog was a puppy. From eating a remote control, to developing allergies as she grew older to developing seizures her monthly cost added up. In between jobs this reduces a great deal of stress and makes me happy knowing I can still manage to get her health care needs taken care of. The refund timing is always quick and I recently did increase her to the wellness coverage and it is still affordable!!! Such a blessing and so blessed to have found Pet Embrace Health Insurance!