Dollar for dollar, Embrace is the best Pet Insurance for your dog. The reimbursement comes quickly in the mail. The customer service is great. But the wellness package you get can not be beat. I have over my life time had 3 beagles, the first one was not on any pet insurance plan. But my second and third were on VPI and the reimbursement was horrible you fax your invoice to them which was over $200 dollars and you would be lucky if you got a check back for $50.00 dollars. But not with Embrace wellness you send in an voice to them for $200 dollars and you get a reimbursement check for $200.00 dollars. How can you beat that. So with my 3rd beagle I made the best and smartest decision of mine and his life and switch to Embrace Insurance. Now I can relax and know that he is in the best hands and will have the best wellness and major medical a pet could have. I just wish I had done it years ago. And with my second beagle too.