I have never used a pet insurance. My Vet recomended Embrace and another insurance company. We decided on Embrace and I am very disappointed in my claim results. My claim was for $958.11 and they only will emburse me $327.36.The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered. I might start looking for a new company.