I've had pets all my life but never had insurance on them before. Embrace has been wonderful. The vet turns in the claim for me and within a day I get a email from embrace saying they received it. Then usually within 10 or so days I receive a check in the mail. And then embrace sends a follow up email to make sure you received your check and if you have any questions on the refund. Fantastic service! Thanks Embrace. Emma is almost back to being herself again.