Wellness coverage cost is money you will spend on your pet that you are reimbursed and provides another $100.00 of free money to use on any veterinary costs. The customer service is one of the best that I have experience. Any concerns are handled by the initial person that answers the phone, no transfers or answer machines. A very professional office. Multiple emails to keep you up to date on your claims. After much research in the Pet Insurance industry I am positive that I made the right choice with selecting Embrace. Thanks to all Embrace employees.