This is the second time we have purchased Embrace insurance. Our first experience was with our 3 year old Newfoundland who ended up with lymphoma. Embrace paid every claim without question. They were kind when she eventually passed away and stopped billing us without questions. I wish MY health insurance had such a great track record!I purchased the wellness program for 299 and they covered $400 worth of veterinary services. I got my puppy neutered and chipped and it was like I got a discount!