Both our dogs were in for their annual exam, tests, and vaccines on 11/8/12. One dog is 13, the other is 6. Because we opted for the Wellness Rewards Plus program, the entire cost of all of this preventive care was covered in full and will be direct deposited into our checking account (our choice). Essentially, we pay $299/yr for each dog and receive $400 in preventive services which also includes an array of other preventive care items. Our dogs are covered for accident and illness under a separate insurance policy. It is great because we chose the decutible and the amount/type of coverage to fit our needs and budget. I highly recommend Embrace Pet Insurance for all of the preceding reasons!