I recently submitted my first claim after having Embrace Pet Insurance for the past year. The customer service reps have ALWAYS very courteous, and they continued this positive experience for me by answering all of my questions about the claims process. I also received emailed updates about it as it passed through each department. I received my refund notification in the timeframe that I was given, and the Explanation of Benefits is very clear. This has been the most painless process -- I wish dealing with human medical insurance companies was so easy! Embrace is an incredible company that I highly recommend to anyone!