We decided to get pet insurance after my brother-in-law had to pay a large sum of vet bills after their dog became ill. It was the best decision we made when we got our second dog. You see, since that time we have had 3 claims and everyone at Embrace has been wonderful. Processing claims are easy, customer service is on top of everything and they are very caring, always first questioning how our pet is doing. I don't know what we would have done without Embrace. It is difficult enough when our pets are ill, but knowing that the insurance will help takes a huge burden off of our shoulders. I was skeptical in the past about pet insurance, but after our recent vet bills that were covered, I will not go without again.