I submitted my first claim with Embrace a couple weeks ago; I have to say I am so impressed! At first I wasn't sure on how fast my claim would be processed,but not only I am impressed with Embrace I am actually looking forward to my next claim. My total bill was $256.00 and my refund was $244.00, received within a week. I also have the option of direct deposit now, which will make the claim process even faster. Embrace has followed up with me before processing the claim, during the processing of the claim and after. AMAZING!!! Excellent customer service. I have just referred Embrace to a few friends and I will continue to do it. Very pleased!!!!