We had our puppy neutered and microchipped. Our vet's office submitted the claim. We set up direct deposit for claim reimbursement. Three days later, we received an email detailing our reimbursement. On the fifth day following the procedure we were reimbursed. We called in advance of the procedure to ensure our policy would cover the procedures. The gentleman was very friendly and helpful. We are new clients of Embrace and are extremely happy.