I have had my pup since he was 9-10 weeks old. He is currently 10.5 months old going on 11 months soon. He had a case of puppy papilloma. Essentially puppy pimples that dogs usually get when they play with other dogs and is normal in a growing well socialized dog once in his early lifetime as he or she will build an immunity to it afterwards is what I have learned. My vet said it should go away on its own naturally or I could use meds to help it along, which I did. Took less than a month to receive money back.
Embrace is good because they cover vet bill directly instead of comparing your vet's region for average going price for services you get. They also send me money back for wellness coverage really quick within a week. But the 2 times he has had illness claims they have taken long. the first time was November 7, 2013 and we didn't receive money back until December 8, 2013. So you will get the money just be prepared for a month later. Speed of refund is very important to me so I may look elsewhere in the near future while my dog is still young.