We've just purchased pet insurance for our two great danes. We chose Embrace because they are one of the few providers who actually cover hip dysplasia. Our dogs are good and healthy now, but accidents happen, and we wanted the assurance that we wouldn't have to make decisions due to vet costs. Murphy was bitten by a snake last week, and our vet bill was about $60. Embrace just sent me an e-mail that the amount would be applied to our deductible. He has to have a surgery in a couple of weeks that will be between 300-500 dollars to have a lump at the base of his tail removed. We are having the vet fill out a pre-certification form for the surgery. I'll keep everyone posted on how this all goes!