I had shopped for many insurances before signing up with Embrace with my new puppy. I liked the fact that they have a wellness plan which I had signed up for. The reimbursement process is so easy. I recommend this plan to every pet owner out there----customer service is great, discounts for spay/neuter and microchipping is a big plus, you can choose your deductible, and the different plans that you want to participate is each plan year! I recommend it to every pet owner.