I have a brand new puppy, Cody. My vet suggested pet insurance, after doing some.research I found Embrace. They cover well visits, neutering and even a microchip. I went for Codys second wellness visit, totalling $186 on Monday July 7th, today July 14th My reimbursement is in my account via direct deposit!!! I sent one time, what was instructed on the forms and I already have my reimbursement back! Also upon signing up I had a few questions and the rep on the phone was exceptionally sweet! A+ from Cody and me!!