Embrace Pet Insurance has it down! It's an amazing company who does what they say, all the time, everytime!I've been a pet parent with Embrace going into my third year. Although my 4 critters have not had major illness, thank goodness, the Wellness policy has served us well. It always pays for itself and the timely reimbursements in full give us a great sense of security. Knowing I can get my kids in for their annual exams, get their preventative innoculations etc. and be paid back within a week or two is wonderful. I have already told my vet that they should consider offering this policy to their clients.