We've been with Embrace for more than three years. Some people believe that pet insurance is a waste of money. I must admit, we've had our dogs insured for about fifteen years and most of the time we just had routine health expenses. But we buy insurance for the big problems and one of our dogs developed congestive heart failure a few months ago. This is when insurance pays for itself! And for peace of mind! Embrace has been the best insurer for us by far.