When we got our brand new boxer puppy 5 years ago, we made the decision to maintain pet insurance so we would never have to make health decisions for our dog based on expense. We figured, we have health insurance for ourselves and our kids and she's part of the family now. Let me just say it's been the best investment we ever made! Over the 5 years we have been fortunate to only have one small illness visit with her at the vet. HOWEVER, the wellness allowance which basically pays for 100% of her yearly exam, tests, vaccinations and medications is PRICELESS!! It help to keep her healthy all year long which is the ultimate goal! Embrace has paid every claim quickly and without issue for 5 years. Their online portal is super easy to use and efficiently processes claims. My advice if you are considering it, is JUST DO IT!!