we have had embrace insurance for our german shepherd since she was born 19 months ago. during that time i have been quite satisfied with the plan we created for her. for the last claim it took about 7 weeks to get the review of claim back. however, we were told at least 3 weeks into the process that delays could be expected. that helped to adjust our expectations as were becoming concerned/impatient. all's well that ends well. we are quite pleased to have insurance for our pup; and embrace seems to work fine.