Chris, I am on Embrace’s website. I am getting a quote on an imaginary 4 yo, neutered, mixed breed male dog. I do not see an option for paid up insurance like you have. You say “My policy required payments for only a period of their lives, after which they were permanently covered.” I do not see that on their website.…

I agree 100%. Get pet insurance and get it when you get the pet, don’t wait until they get sick. Choose wisely because it’s difficult or impossible to change coverage, especially after you’ve submitted claims. During the 8 years I had a dog (Poochie) she had 2 torn ACLs, 2 incidents of cancer, diabetes (which needed…