I think pet insurance is just " peace of mind!! I have Embrace, it does not cover well visits , but that was my choice, I chose a plan for the " unaffordable" , its nice to know that if God forbid something happened I have coverage and I wont be scrambling to come up with thousands of dollars. I have worked in Home & auto coverage for 15 years, many never ever use thier insurance however, its nice to know its there... !! JMO
Embrace is a good company, you can choose your own deductable and pick your own coverages, similar to your auto policy!! I am so happy I have coverage now!
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