My Christmas season was less than merry when my dog was attacked by another dog on Christmas Eve. Thankfully all he needed was stiches, but as we all know that's an expensive fix when you're talking about stiches in a dog. Once the holiday season was over and Auggie was all healed I submitted my claim. I assumed it would take 4-6 weeks. Imagine my surprise when I recieved a check in the mail just 10 days after my claim was submitted! I've heard horror stories of other pet insurance companies not covering things or "fighting" the claim. No issues here. I love and will highly recommend Embrace to every pet owner I know!