When I first purchased insurance all paperwork was emailed to me. I couldn't open documents and when I called to ask if they can send to another email, it was done within 5 minutes. No wait time when I call, I speak to a representative right away.
I had my dog neutered on March 7, 2014. I faxed claim form to Embrace on March 10th. Received a check for $$400 for my wellness claim within 2.5 weeks.
I had 60 days free pet insurance from the AKC. We actually had to use it as my dog ate my husbands eyeglasses and had to rush him to hospital. I sent my claim in the beginning of February. Still have not received a check. Go Glad I did not go with them. Would recommend Embrace.