I have never had pet insurance, but due to showing our dog in 4H I decided it may be important now. I searched all over the internet and with others for an insurance with great benefits and affordable (we are a family of 4 with below average income currently and lots of student loans). I found Embrace online and bought our dog insurance which is a good fit for us right now, I also did get the Wellness insurance, which is for shots, etc. we needed to pay for anyway, so rather than paying all at once for shots, etc. we pay a monthly wellness fee and submit claims for reimbursement to Embrace. The Wellness insurance actually lets us come out slightly ahead financially too although we pay up front. What I like the absolute most about the insurance is the help I receive online!! Any question, misunderstanding, etc. is thoroughly looked at and responded too almost always within a day! I really appreciate that! Thank you! I recommend Embrace to our veterinarians as well! I appreciate the flexibility of creating our own plan!