Glad we have insurance. Our original reason for getting it was because of a high energy puppy - we feared the dreaded torn ACL or some other expensive injury. It turned out he had ongoing stomach and GI issues and we struggled for over a year to find the cause. That, plus a strange allergic reaction caused our vet bills to soar this year. Once submitted, they were reviewed quickly and Embrace contacted the vet to get additional information so we didn't have to do anything. Checks were sent promptly upon completion of the claim. The claims staff was friendly and easy to work with - great customer service.