I have been on the fence on whether Pet Insurance was worth the price. For years I didn't invest in it because I couldn't find a company that would cover breed specific ailments and I figured they are called breed specific because there's a high probability your dog will suffer from such an ailment. I was pleasantly surprised to find out that Embrace covered breed specific diseases and also pleased that they also had a wellness program. Yes they are a little pricier but their coverage is also better. I read wonderful reviews about this company and that was the deciding factor. Embrace keeps their word and they are very up front and they customer service is top notch. The peace of mind is worth every penny.