pet health insurance

Hi, We’ve gotten Embrace Pet Insurance for our puppy Leo (5 months). Like many insurers, there are some waiting periods for various conditions. Specifically, there is a 6 month waiting period before coverage starts for any orthopedic issues such as hip dysplasia, elbow dysplasia, etc...

Since I'm "going through this process", I thought I'd document my experience for others. I am including information that I have encountered, but am deliberately not identifying, nor recommending, any specific insurance. Frankly, I think that's homework you should be doing. First, I found this...

I wanted to know if anyone had any thoughts on pet insurance? I read an article and I'm debating whether its worth the investment? (Is Pet Insurance Worth The Cost?, Dog Health) Thanks!