My pup chewed up a Sago Palm, which I know know is extremely toxic to dogs with a low survival rate. This happened on one of the few days that I haven't been able to get home at lunch and check on her. After a call to the vet and poison control it was clear that I had no option but to take her to the ER. For anyone that has been through this, you know how stressful and expensive it can be. What made it a bit less stressful was knowing that she was covered by Embrace!!! After our final visit, 5 days after her admittance to the hospital, I gathered the 7 invoices, and faxed it along with the pet specific claim form they had readily available for me to download. The claim status and progress is readily available for viewing on their site so you know it is moving along. I made one phone call just to make sure they had everything they needed and was told that they were currently being updated with an approval status. I received emails later that day letting me know my reimbursement had been processed and that it should be direct deposited in 1-2 business days. It was in my account the following day! This is an effortless process and I urge everyone to have their pets insured!