This is the best peace of mind for your pet. I bring a form with me whenever I go to the vet, then scan it and email it to Embrace and they take care of the rest. The Wellness plan is basically "free" money! Customer service is friendly and their responses and processing is pretty quick. All in all a great company. I have been using them for over a year and my sister has been using Embrace for her 2 dogs for several years now.