I procrastinated about getting pet insurance, but then my daughters Dachshund got very sick and she had Embrace. I saw how they stood by her and paid the bulk of the hospital bill. I am so relieved I made the decision to join Embrace! It is affordable (I have two dogs)and the customer service and efficiency of this company is top notch! Reading reviews is so helpful. My feelings..even if I never have to use it, my premiums have gone to help another pet.