After a visit to the vet, which seemed to become more frequent for our older dog, the vet highly recommended that we get pet insurance. My fiance and I had been talking about it, but after one very expensive visit we decided it was something that we should do. The vet recommended one company, so I looked into it, but was turned off by the price tag. I decided to do more research and compare companies, and with our USAA discount, Embrace seemed to be the best option. Since signing up for Embrace, I have no complaints. Shortly after getting coverage, my older dog came down with a terrible UTI and needed to go to an emergency vet. That basically took care of the deductible, and when the UTI kept coming back Embrace promptly covered everything according to our plan. I am so happy we signed up for insurance, because we would be severely in debt at this point. The customer service at Embrace is fantastic and they always respond promptly to my concerns. My claims are processed very quickly and I have no complaints!