I haven't had this policy for quite a year and only expected to use the wellness portion. However my 2 yr old Bedlington had a pancreatitis episode over the Memorial Day weekend and ended up spending two nights at the emergency vet clinic. I was glad to have the preprinted claim forms. I had to call because I needed more forms and had some questions. The Embracer I spoke with was so helpful and patient. I felt like I was a valued customer and the health of my pet was important. I would recommend Embrace for anyone considering pet insurance. One more thing, checks are very prompt.