I did my research thoroughly and definitely wanted a 'wellness' program so after careful reading ALOT of the reviews on this site, I decided to get Embrace(they offer 100% on wellness w/ no deductible & no co-pays!) They are genuine when it comes to customer service and definitely care for your pet's well being. Prompt, courteous, responsive emails. PLUS they offer direct deposit!!! Even better !! Got an email stating 2 business days for my refund.