When deciding to add another furry friend we wanted insurance just in case. Our other Doxie had been in the animal hospital and cost us over a thousand dollars. After we purchased Dutchess we had no idea that in 6 weeks she would become very ill. Taking her to the vet we didn't have to ask how much for each test. She is fine now and will be on a special diet but Embrace pays for that also. She has a very sensitive gastric system. Thanks Embrace!!!