Before we adopted Tank in late July, I already researched pet insurance companies and decided on Embrace. I arranged insurance for him before I even brought him home. I decided the Wellness Rewards was worth the money for us, since the monthly cost is lower than the amount you may use. So far, I have only submitted 2 Wellness claims (his 2 booster shot visits). Both claims were paid in a short time period (a week or less). I'm am currently happy, and hope to remain happy with the decision to purchase insurance on him. I also, hope I only need to use the Wellness portion of our policy.