I had never had pet insurance before, but was encouraged to get insurance by the trainers in my dog training class when my dog was still a puppy. He is a German Shepherd and the breed has a tendency for hip displaysia, so the trainers said it was good to get him covered just in case he got it years down the road. I researched different companies and suggestions and went with Embrace never knowing that my dog would soon end up with some serious health issues. Embrace has yet to turn down a claim including my latest for over $3000. I can't say how much of a load it takes off of your decision when deciding on treatment options for your pet since it (mostly) takes the cost out of the equation. I've told all my pet friends to use Embrace (I should be an Embrace Ambassador!), and just put both my cats on my plan as well.