I just purchased my policy about 2 months ago. I researched a number of companies and chose Embrace because they seem to have better coverage for a number of common conditions. I also purchased the wellness plan and am glad that I did. I have already used the full $200, but I knew I would have plenty expenses during my puppy's first year of life. The claim was processed promptly, and I have had excellent communication via email. So far, so good.