My vet recently took biopsies of 5 lumps growing under the surface of my 9 yr old dog, Hero's, skin. Fortunately, according to the pathologist's report, they were all benign. But, this was expensive!Embrace processed my claim speedily and emailed me regular updates of the review status along with a link to get details on line. It was so easy and relieved my anxiety along the way. Plus, I got a great reimbursement!