After an expensive illness with a beloved pet, I decided to try Embrace insurance. My first claims were for wellness exams, and I received my checks quite quickly after the company received my paperwork. The most difficult part was the health history for my older dog, and a lot of that was a delay from my vet's office. I filed my first claim, which was incomplete, but Embrace contacted my vet and got the missing paperwork. I was issued a check within two weeks. I have been very happy with the communication from the company and their response time.