I recently enrolled my three pets (a dog & two cats) in Embrace Pet Insurance. I added the wellness option to cover yearly exams. The next month, I took my pets to the vet. Within two weeks of submitting the claim, I received payment for all three. Additionally, I would say that I have had several interactions with customer service by phone and through e-mail. The contacts have mostly been to either resolve my questions or to ask for more information about my pets. The customer service has been efficient and well organized.