I bought this pet insurance for my daughter, so that if anything happened to her best friend she wouldn't have to worry about a financial decision. Her dog is the love of her life as with most pet owners. As a mom of a daughter who has grown up to live on her own far from home, it gives me piece of mind that her faithful friend is by her side. When her baby got hit by a car she didn't need to worry about money ,she just needed to focus on the healing. Thank goodness for Embrace. Getting pet insurance from Embrace for her has been the best decision I could have made. When you took her frantic call after her dog got to the vet after the accident you gave her piece of mind and took some of her worry away. Thank you all so very much! I recommend you to everyone!!