I got Embrace insurance for my three dogs just to be safe. They are pretty healthy, so I didn't really anticipate using it. Well, of course, right after I got the insurance (like 3 weeks later), one of my dogs ate chocolate that was hidden in a gift. A few months later, my other dog got in a fight with another dog and got bitten. So I ended up filing multiple claims in the first year.
I was surprised at how easy the claims process was - I just filled a few boxes in on a 1-page form, took it to the vet so they could fill in a few things, and then submitted it online with scans of the vet records. It just took a few minutes for each claim.
Within about 4 days of submitting each claim, I got an email that my claim was approved. About 4 days later, I got the checks. I'm very happy with Embrace, even though I do feel a little bad for having to make big claims in my first year, and I'm relieved I got this insurance.