My vet faxes the claims but many times Embrace does not seem to receive them. Recently they faxed 2 claims (separate dates). Embrace responded with one claim number so I wrote back and questioned the vet and also questioned Embrace as to whether they had indeed received both claims. Embrace assured me they had and then I received a response for only one claim. I had to contact Embrace again for the second claim and ask my vet to refax the 2nd invoice again. This has happened repeatedly in the past. My vet is very efficient. I love Embrace insurance and am usually very happy with the service but I would like to see this communication improved.