I started with Embrace 2years ago with my Toy Fox Terrier when he was 3mos. So far he has only required Wellness coverage. I have the Veterinarian complete the form and I fax it with the bill.I have chosen direct deposit and it seems to go like clockwork. It gives me great peace of mind to have this coverage and I would recommend Embrace to anyone with a pet. Wish I had done it with my last dog whom I got at 7yrs and just assumed it was too late.