I have been an Embrace member for several years through USAA. I switched after my previous pet insurance went up to $800 a year for my cavachon, Calvin, despite his never having been diagnosed or treated for any chronic illness even at age 8. About a year after I switched plans to Embrace, routine "senior dog" bloodwork recommended annually by my vet detected extremely high liver enzyme levels. After various tests were inconclusive, my vet recommended a specialist who recommended a full liver biopsy with four liver samples taken. At that point, including the surgery needed for the biopsy, the total vet bills were upwards of $4,000. Then, once Calvin was diagnosed with copper storage disease, I had to pay for expensive medication to pull the excess copper out of his liver. Fortunately Embrace quickly reimbursed me everything but the small deductible and co-pay I had selected. Prior to this I had very recently been through a traumatic divorce, and my income was reduced over 75%. So, Embrace was salvation for me financially and emotionally, since Calvin was my sole comfort on many days, and I didn't have to worry that I would not be able to afford to care for him now that he was sick. I don't know what I would have done if I had not had Embrace. I recommend pet insurance to everyone now, and specifically Embrace. You never know what life will bring - be prepared to care for your pet!