I took my two golden retrievers (8 & 6.5 yrs)for their annual wellness visit. I received my payment for both dog's visits in less than 2 weeks time. My dog's have been insured with Embrace for 8 years and Embrace still continues to impress me. They are always prompt to respond. They send notices upon receipt of your claim. If there's a delay in processing, they notify you. This company is wonderful. They truly care. I can't say enough good things about this company. I wish I could say the same for my health coverage insurance company.