My cat got sick, I was not sure what was wrong but she was lethargic and was not eating. I took her to the vet (I finally found one that is caring and honest)she recovered and I submitted the bills and got reimbursed quicker than I ever thought and it was pretty simple to do, no muss no fuss. I checked the status online and bam the money came in the mail. It was that simple. Frankly I was quite skeptic of this as I heard some stories around but this company made me loose all my fears. I believe there might be a waiting period before you can claim, but I'm not sure. I have that with my private humana dental insurance (you have to wait a year before you can use it) but I don't think its not the case with Embrace, they just check prior illness and if the pet has had it within the same year its not covered I believe but that's mostly the same with all private insurances mostly. Any way I think this company was one of my best decisions I have made regarding being overly pre-pared as I tend to be sometimes. Buy it you wont be sorry.