I'm a registered veterinary technician who is no longer in practice. When I left practice, I knew it was important to insure my dog as I no longer had access to discounted vet care. I chose Embrace due to the USAA discount and the wellness plan option. I like the idea of having a wellness plan in place that is not linked directly to one vet clinic. I can use it where ever I chose (and where ever we may end up moving to in the future). My wellness claim was paid extremely fast. I hope to not have to use the injury/illness coverage, but I am glad it is there.