I was pleasantly surprised how efficient Embrace was in processing our wellness claim. We "adopted" a cat from a shelter and took her to our vet at The Georgetown (Delaware) Animal Hospital on 7/5/13. Embrace guided us through the claims process. We faxed our claim on 7/8 and we received our reimbursement check on 7/16/13 as promised. We would recommend Embrace to insure your pet.