I researched what people said about their pet insurance and I picked Embrace over 2yrs ago and never filed a claim. The nay sayers said why do you have pet insurance? I didn't want to have to decide between having to treat a dog or dealing with a big bill. Recently Baxter my 3yr old dog has sores on his feet that need a biopsy. So far the insurance has covered everything it said it would. It has been worth every cent.