So much excitement, 4 more weeks! I've been planning so much getting toys, beds, blankets, cat tree, food, even scheduled a vet exam already! Now I am trying to research pet insurance and boy is it overwhelming and makes me feel lost. It seems that everyone here mainly has trupanion or healthy paws, does anyone have embrace? I see everyone saying to get yearly heart scans to check for HCM, do these cover the costs for the scans also??