What type of surgery? I have embrace and if you take the wellness option, on top of their regular coverage, the wellness is in effect immediately. There is ,I think a 14 day wait period on accidents and illness. If you are having her spayed it's covered under wellness. I have the 500.0 deductible and wellness the total for my two dogs is around 79.00 monthly. I just did their annual checkups and bought a 6 month supply of sentinel for each dog. I was reimbursed 100% of the cost. It took about 10 days to get my check in the mail. I highly recommend them
www.embrace.com