I'm new to Embrace. I have a 3 year old Husky with no health problems. I had health insurance through another company and decided to switch to Embrace because of their wellness plan. I took my dog to the vet on Saturday and my vet faxed over everything to Embrace. Today I got an email saying my reimbursement has been deposited. I already recommended Embrace to my co-worker. I can't believe how quickly and easily everything worked out. I talked to the Customer Service rep a few times before signing up online, and each time they were extremly nice and helpful! SO FAR SO GOOD!