Coco's been with Embrace going on 2 yrs. They've always been good at fast reimbursements. We went with Wellness options this year and brought her in for teeth cleaning. The renewal had overlap with the older because I had paid a week before plan expired. I had thought she was already under the Wellness option. Laura was very understanding and applied the teeth cleaning on the new plan. I had brought Coco in a week early before the new plan took effect. Laura was very understanding to make this one time exception. I am very please with Embrace and would not hesitate to recommend friends to Embrace.