I never considered getting insurance for our dogs for eight years but decided to after speaking with a friend who is a vet. She told me that if she could have her patients do any one thing it would be to get insurance because people don't realize how expensive it is when a pet gets a disease or needs surgery or has any type of emergency. Then they are stuck having to make a very difficult decision between their pet's life or a fortune. Not long after I got the insurance one of my dogs needed minor surgery. Embrace has been wonderful with customer service and explaining exactly how they work and also how to file a claim. The always answer the phone and have always seemed genuinely glad to help. I am SO glad I chose Embrace!