My cat had what's called "entropion" (her eyelashes were growing in instead of out scratching her cornea) which required surgery to both eyes at the cost of 1,300+. I faxed a claim and within 1-2 business days I received an email saying the claim was received and some seven days later I received the reimbursement.
I have nothing but good things to say about Embrace in the six or so years I've been with them and the claims I've filed for three cats. No run around and no delays, always got the check within two weeks. Just like they tell you.