I started policies on my 3 healthy cats last year and initially only needed the wellness service (that also is paid as advertised and is a great deal). One of my cats developed a chronic cough this year and has had a fair bit of workup & treatment...and my Embrace policy has worked as expected. I have hit a few speedbumps with the vet's office not filling out the form entirely correctly, but everything has been resolved and I have been reimbursed as expected per my policy. I am pleased that this seems to be an honorable compamy providing a real service! Highly recommend.