As our Standard Poodle aged, we were concerned that he was vulnerable to an injury such as an ACL tear that could be a significant cost. He was in good health. After reviewing pet insurance, we chose Embrace due to (1) cost (2) the ability to waive an orthopedic waiting period and (3) customization of coverage. Just over a year after purchasing our policy, Axel became very ill with pneumonia (unexpected). There were multiple ER visits and a continuing recovering period to regain weight. We have the peace of mind that we could provide the medically necessary care that Axel has needed to recover knowing that our expenses would be covered according to our coverage. I highly recommend pet insurance, and my vet concurs that Embrace has been a great company to work with.