For my other dogs, I had VPI, and I was constantly hunting down my claims, and explaining, over and over again, why I had filed the claim. They were a lot of work. I am so very glad that I chose Embrace for my new puppy. We purchased the Wellness package, And I'm happy we did. Embrace e-mails, and lets me know at what stage the claim is in, and if there is a problem, they actually call the vet, and rectify the issue. VPI would expect me to take care of it. I feel like Embrace is a friend.