I guess my "tips" would be, use the proper forms, get your Vet to fill out forms completely and send in.. Be aware of what your coverage entails, and then all will go well. I can not recommend this company enough. This is my first claim, met my deductible and a check is on the way for the amount above deductible. No hassle , just plain "we do as we told you we would".. Thank you, Embrace!