We got our puppy on a Saturday and purchased the Embrace insurance and Wellness plan on the same day. We took him to our vet on Monday for an examination to make sure he was healthy. At that visit, we purchased heartworm and flea protection. On Friday, we were reimbursed for the entire Wellness amount. The people we spoke with in customer service couldn't have been more helpful. They even helped me set up direct deposit so I will receive the refund even more quickly. We are extremely satisfied with this experience.