Former 15 year VPI user. Vet recommended Embrace and now I wonder why. Embrace has been problematic with wait periods, need for detailed notes. I am paying nearly 400 on routine care to get $400 reimbursement. Just learned that my Golden's spay will not be covered as i have used her wellness money on vaccines. This is NORMAL for the 1st year of a dog's life. Very disappointed in the slow pace of reimbursement, the loopholes, etc. Spaying a dog is medical/surgical and am shocked to be out nearly 1k. Really wish I had put this pup on VPI. What do vets get for recommending Embrace? We're out asap.