I recently adopted a cat and decided to insure her. I chose Embrace based on online reviews, plus they have a great wellness plan, which I purchased. I took my new cat to the vet for her vaccines and submitted the claim last Thursday via fax. I received an email that the fax was received and that I would hear something in 5-10 business days. It's now Monday and I just received an email that my reimbursement check is coming to me today. I'm impressed with the level of communication and the timeliness of communication. Already glad I decided to go with Embrace.