This is my first experience with Pet Insurance, and so far, I'm very pleased. They don't have the integrated website features that other companies have, but this is more than made up for with the very responsive customer service. Claims are processed fairly and in a very timely manner. I recommend Embrace to anyone looking for a pet insurance company. Unfortunately Embrace isn't licensed by the state of California, and I had to sign a waiver acknowledging this. But I feel comfortable that Embrace is a solid company, and not very concerned about that. The Wellness plan is a good idea if you plan on spending over $200 a year (including any medications). You end up saving $50 there automatically, plus you can get up to 20% off your plan with a) a 5% promotion code, b) paying premium in full (5%), c) your pet is neutered or fixed (5%), d) your pet is microchipped (5%). It's also an Ohio-based company, and people in the midwest are usually very courteous and pleasant to deal with.