This company always exceeds my expectations when it comes to filing a claim and reimbursing me. Also, if you sign up for direct deposit... you will have your claim disbursed into your account the next business day! My dog had a malignant tumor in his torso the size of a golf ball - which had cost me almost $2000 to have removed. I'm expecting my first child in a couple of months, so receiving a reimbursement was vital now more than ever and Embrace did just that, quickly too!