I have nothing but great experiences with Embrace. They answer all of my questions promptly and I get the reimbursement check for all of my claims quickly and efficiently. I have the wellness plan and I LOVE it, it is by the far the best wellness plan out there. They cover vaccinations, flea/tick preventatives, and heart worm preventatives--all which really add up over the course of a year. They are prompt and really easy to work with about everything. Don't be fooled by the "big names" that your vet may recommend because they don't know of any others. I did a lot of research and Embrace is truly the best, and now that I've had their coverage, I can certainly confirm that all the research was true!