We purchased Embrace pet insurance for our new puppy. We got the Wellness Rewards benefit as well. It has been a very easy process to get reimbursed for well puppy visits, flea medication, etc. We email the claim and the check is sent to us very quickly. We get $400 dollars worth of wellness rewards for only $300. A bonus of $100 dollars per year is great. We also have peace of mind that if anything happens to our puppy we are covered. We are very pleased.