I have a dog that must have eaten something bad coz he was hacking away and puking like crazy for a few days. I paid my vet upfront, but then Embrace took the history information from the vet to check that he hadn't puked in the last year, and then sent them the info they needed. My vet was super awesome and sent them the info, and I got the check from Embrace. I had to call them a few times before I got some work done to ask them if they will cover it, and they asked the vet for some info on what needed to be done and told me they would cover it. Overall, a good experience. I'll keep them on in the future as well! And my vet, they were super great too!