My husband signed up for this insurance because they made it sound so simple. Just send in your bills and they will be paid. It has been nothing but a hassle since we started needing it. I'm sure the vet even hates to see us come in. McKassie was taken to the vet due to lesions on her nose, a biopsy was done and she was diagnosed with lupus. First claim was sent in under wellness claim. Insurance deemed it was not a wellness claim as vet wrote in the observation box what his findings were. Embrace did deduct this amount from the deductible. Next claim was for the biopsey under anesthesia this claim was applied to deductible. When results returned vet ordered medication which was picked up by family member. Had to take McKassie back to vet due to bleeding gums and bruising on body, at this time I had him fill out form for meds that he had ordered along with this visit. He filled this form out as a wellness visit. This time embrace didn't even add this office visit to the deductible. On the "basic wellness rewards" info we printed off the site it says routine care wellness exams & office visits are covered. Apearantly going to the vet isn't an office visit? Between our health insurance and our dogs insurance it is a full time job of paper work.It is hard to give an overall rating as we haven't used any other pet insurance.