We recently adopted two kittens, Brother & Sister who are now 10 months old. We have already used our wellness plan for all of the regular checks and fixing. Brother recently had a scare and they thought it was his heart. The tests he needed ended costing over $1000. In two visits our insurance for Brother has paid for itself. Fortunately he doesn't have a heart problem but he does have asthma. So glad we were able to get the testing we needed so we could properly care for Brother. We are on a budget like most people and Embrace is the way to go. Customer Service is A+!