Seemed like a good deal when my dog was a year or two old. Ours was through Embrace, and the rates were reasonable, and the claims process was relatively painless. But here’s the rub, as you can imagine, the rates increase as your dog gets older. But I was not prepared for just how much they would increase in her later years. She had ACL surgery when she was five or six, and in that year, the insurance was worth it. Then she needed to have the other knee repaired a couple years later, and even with a surgery that expensive, I still lost money on the insurance. That’s when I canceled it.