I took Blu, our 1 year old Husky mix to the emergency vet early on Saturday, Jan. 3, 2015 as he was lethargic and had diarrhea. They took x-rays, blood, urine, and a fecal. The bill ended up being $760. I sent in the claim and it took quite a while till I heard anything so I called to see what was going on. It was Blu's first claim so they were waiting on another vet to send records but they were a new vet for Blu so he had not gone there yet. As soon as I told them he was not using that vet, I got a response on my claim the following day. When I called Embrace customer service they were very helpful and the phone call lasted only a few minutes.