I thought about getting pet insurance after a friend, whose dog was about the same age as my Maggie, accumulated high medical bills. I wondered what I would do if Maggie needed emergency care. After researching, I chose Embrace. April of 2017 Maggie had blood in her urine. An ultrasound showed a bladder mass. She started on antibiotics. A month later she developed pain in her rt knee. We started shots and anti-inflammatory meds. 3 weeks later she was improving, tried to jump onto a bed, didn't make it, and injured her other knee. That was a Sunday. We took her to an emergency pet hospital, she stayed over night, surgery the next day to repair her torn cruciate ligament & remove the bladder mass. One more night at pet hospital. Unfortunately, she developed kidney failure and we lost her two weeks later. We paid out over $5,000 in the month & I worried I wouldn't get any reimbursement. Embrace was wonderful!! After subtracting the deductible, I received 80% of the claim amount. It was easy to contact customer service, speak with a human being and get what assistance I needed. Will go with Embrace when I get a new dog.