I submitted a wellness claim. I had two invoices and should have sent them separate as one was from July and one from mid August. The July one I wasn't sure if would be paid as not sure how much was in wellness account. I felt the August one would be paid as was start of policy renewal beginning of August. Received an e-mail about not paying the July invoice but nothing about the August invoice so I called and was told that someone was working on it. Felt could have acknowledged that it was being worked on as thought it was discarded along with the July invoice. All-in-all I am happy with Embrace. As far as the wellness policy is concerned is there a higher amount policy that I can purchase as Milo goes 2-3 times for wellness (usually every six months) and also have his Sentinel and Advantix meds.