Setting this insurance up for my fur children was a bit complex as Embrace wanted all prior records. I understand why, so I wasn't upset. The ease of filing a claim is great. I take the form in with me and have the vet sign it right as she does the exam. My vet doesn't really like insurance as she says she will have to increase her fees if she has to hire more office staff to complete the forms and fax prior records. This she can handle. She just has to write a quick note and sign. All I do is scan and email the claims to embrace (or the vet can fax it directly). Embrace acknowledges receipt within 24 hours and over 75% of my claims are complete within two days and the money goes directly to my bank, usually within 24 hours.
When I signed up--puppy wellness insurance was not an option. I would highly recommend it and think the estimate of $700 is well in the ball park. We brought our newest baby home in late December and have spent $658 so far this year (includes spaying). It is now August and I will spend at least $100 more this year on wellness. Since we have three dogs I like the wellness benefit as I can budget what it will cost me into a monthly charge.
I probably will increase the accident and illness coverage next year as I hear the costs are increasing dramatically. So far my one complaint is that my breed is not listed in the drop down list. Lagotto Romagnolo.