I have the wellness on my cat who has allergies that pop up every year and he scratches his fur until his skin bleeds. So once a year he gets an allergy shot, in a couple of hours he stops scratching and I feel so much better. I know that the cost for the shot will be covered and Embrace keeps one informed and payment is quick which really matters because I live on Social Security. The other day my vet asked how I liked Embrace and I told them it was the best thing I have invested in. He has people asking for referrals to animal insurance companies. I told him to have his clients call me about Embrace. A very happy client so far! I can give my cat the medical care he needs and deserves because of Embrace. By the way, Embrace will even pay for nail clipping which my boy will not allow me to do!