After spending almost $7,000 on my Ragdoll cat, who had to be put to sleep, I decided I definitely would get pet insurance when I adopted again. I adopted Maya when she was almost a year old, and searched for the best insurance. I chose Embrace because they seem to have the best coverage, the least amount of exclusions/exceptions, and the wellness program. I took Maya for her first annual check up and shots since getting her, and was pleased to be able to submit my bill from the vet's office. I received a confirmation the same day and an email three days later stating my entire claim was approved and the check was being sent. I may not use all of my wellness benefits this year, but I will next year. I just adopted a kitten a few days ago, and will be signing him up today. I hope if I ever need to make a claim for illness or injury it is handled just as efficiently.