I was pleased to see my first claims paid routinely. I bought the combo wellness and insurance plans. We have two Lab puppies and by the time I had them examined , all the shots, spayed and neutered I had incurred $500 in wellnessVet costs. Embrace paid them all at 100% even though some of the claims were over the 90 day period. they relaised it was my first claim and gave me some grace with that.