I had my girl's spay/microchip appointment on Oct. 31, 2012. She also received some pain meds for after the surgery and flea medicine and fecal exam. Al covered. Today is Tuesday Nov. 6, 2012 and the claim has been processed and my money deposited back into my account (376.00). That is less than a week (including a weekend), and may have been faster had my vet not neglected to send my detailed invoice in the initial fax. They sent it a day later. All and all embrace has been in contact with me every step of the way. When I sent in any documentation I always get a follow up email. I honestly am surprised by the service and speed with which they handle everything.