We have Embrace Pet Insurance for 5 out of our 6 animals (other cat is too old). At first I was a bit discouraged by all the detailed history I had to ask my vet to print out & fax to Embrace (2 yrs worth for each animal). But I am glad to say it is only a one time process so they can establish each pets medical history. After filing my first few claims, that minor annoyance was long forgotten when we got refunds totalling $659.23!! The wellness rewards is probably the greatest benefit. There is no waiting period & it covers $200 per animal per year for all the little things that add up. We spent a total of $1124.90 on 4 dogs, in a span of 2 weeks (vaccines, heartworm prevention, blood work, spay/neutering). Let me reiterate...We are getting back $659.23!!!!! There was no hassel. They received my claim via fax & the next day I received an email telling me to expect my checks! It was like Christmas! I highly recommend Embrace for all pet owners! If you love your pets as much as I do, you undoubtedly spend alot of money at the vet. Finally, pet owners are being rewarded for being responsible!