My dog George Michael swallowed a rock that got stuck in his intestines. He had to have surgery to have it removed. I submitted my claim form and receipts on March 10th, and my reimbursement check was issued on March 18th. To me, that is amazingly quick. The very best thing about this claim and each of the claims I have submitted is that there are never any surprises. Everything I expect to be covered is covered, and Embrace personnel are always quick to communicate.