I've had only wonderful experiences with the Embrace Team while submitting wellness claims and just recently had to take my pup in for emergency surgery! I was so scared! I sent in her illness claim forms and received emails from the Embrace staff periodically throughout the review process updating me on the status of the claim. The claim reimbursement payment was received in less than 3 weeks! Quite impressive, but most impressive is the continued phenomenal customer service I receive from Embrace. Signing up was the best decision I ever made!