First of all I'd like to say that Embrace Pet Insurance has provided me great customer service! My first encounter with Embrace Pet Insurance was in March 2011 with Tenisha Lovelace. She not only took the time to explain the different benefits available, she also answered ALL of my many questions so I would have a better understanding how pet insurance works since:-.) I did not enroll in the Wellness Benefits rewards at the time, but did so March 2012 and it is a great benefit to have! I was reimbursed for Ziggy's office visit, vaccines, advantix II, and heartgard plus! I spent total of $400.00 and was reimbursed $400.00, which is the maximum annual wellness rewards benefit. I would highly recommend Embrace Pet Insurance to all pet owners!