As per last year, we submitted our claim for our dog's wellness checkup and annual shots. We were promptly notified of the claim receipt and a short time afterwards received notification of acceptance and we quickly received our check. All done in about a week. Embrace has been especially thoughtful in its correspondence with us. We love their wellness plan which in reality re-imburses more than we pay for it. We,like Embrace, want to keep our pet healty which results in cost savings to us and Embrace. We are glad we chose Embrace over the other insurers.