After many years of having a pet I have finally found a Pet Insurance Company who allows us to give our pet the best quality of care. I chose the coverage that worked best for our budget, which was reasonable in cost and gives me peace of mind when taking Bella to the vet. Embrace sends out news letters with helpful hints to keep your pet healthy. You can e-mail Embrace with questions and they get right back to you. You can send in your bill and have your refund deposited right into your checking account. Do what I did and give them a call. I am sure you will be very happy with their services as I am.