I purchases the optional wellness care plus package for both of my english bulldog puppies. The best thing about Embrace is that they don't dictate what portion of your allowed dollars can be spent on vaccines, heartworm testing, etc. All other companies will only pay out a certain portion of your wellness care dollars based on category, but not EMbrace. If you spend 200$ all on vaccines, they reimburse you 200$. The claim process was rather quick. And I am impressed with the constant communication the company provides me during the claim process. I got every dollar back from wellness checkups thus far without any hitch. Awesome company!