Well, this was our first real claim with Embrace and I have to say that it went very smooth. They did want prior history for our dog for the previous year but the only history we had was his regular vaccinations. After I called and spoke with them the claim went thru quickly. Having insurance with a company that does what it says it will do is great. I know that I do not have to worry if something major happens. Embrace will be there for me and my Jake.