Purchasing Embrace pet insurance was the best decision we could have made! In 2010, we lost two senior dogs to serious illnesses and incurred many thousands of dollars of veterinarian bills during their last days. When we rescued a young dog last year, we wondered if it made any sense to get health insurance for him. Well, during this second year that we have our 2 1/2 year old dog, he has had a bad time caused by what is thought to be an inhaled foxtail that could have killed him. The treatments and surgery have cost almost $4,000. Embrace has covered exactly as they represented, and we are so happy we made the decision to buy insurance. I am recommending Embrace to all of my pet loving friends!