I have a young male Boxer who has had some health issues... my Vet faxes in the insurance claim form to Embrace and the next day or so I receive confirmation from them they received it! Additionally, their Portal allows you to see what claims have been process and what are under review... so far, none have been denied which is better than a lot of "human" ins. companies! I have talked with a number of staff personnel with questions and all of them sound very sincere and compassionate in wanting to help me with what questions and concerns I have... I also received an email follow up! Excellent company to insure my "Buddie"!