I purchased Embrace Insurance and Wellness coverage for our new Yorkie Tatum. A week after I purchased the Wellness coverage we took Tatum in for his puppy check up and shots. our vet bill was $110. I submitted my claim via fax the same day. The following day I received an email telling me that they received my claim and they were reviewing it. Within 1 week exactly Embrace deposited the $110.00 into my account. I have never had pet insurance before but I have to tell you that Embrace is very responsive, helpful with questions and the reimburse you very fast.