I signed up with Embrace - immediately upon reading the reviews on this page. I went for the best plan possible - at almost $60 a month. Ironically, there is only a $200 max that they will cover under "wellness". According to Embrace - "wellness" covers checkups when your dog is sick from parasites, spaying and neutering, vomiting, and lethargy. I had WAY better coverage under AKC years ago. Now I am out over $1000 - between vet bills and payments to this sorry excuse for a Health Insurance.