I had bought Embrace for my cat, Jack, when I adopted him. He was 3 years old. He just passed from a rare form of lung cancer. I didn't realize that the plan he had did not cover dental nor prescriptions so do purchase the Wellness plan which will cover dental and perhaps prescriptions. I was delighted though that when he became ill, that the Wellness plan covered homeopathic remedy from his vet and when it he was terminal, Embrace moved forward in reimbursing without obstacle. I made certain to provide a medical history, chart notes, and complete invoices when filing claims. I think this assisted the claim adjusters in their evaluation. Their customer service team was compassionate and efficient. Two paws up.