Both our dogs have Embrace Insurance and we also opted for their Wellness Rewards program. When learning of the higher than expected cost of neutering our large breed dog, I called to see if we could upgrade our rewards program (even though renewal was not for a few more months) in order to absorb some of the cost. The service representative was extremely helpful and professional and took time to completely explain all details. Thanks to Embrace, we recouped an extra $50 back from the overall expense. They also made me aware when my email program was bouncing back their email updates to me about reimbursements. These people are a pleasure to deal with!