Monte, our Golden Retriever has unfortunately endured a lot in his two years, from knee surgery, to plate removal due to irritation, skin problems, and allergic reactions. Embrace has been excellent in receiving and processing all of the claims very quickly. They have even checked to see if I have received my claim payments! I am impressed with this company, it was the best decision to make when Monte was a puppy. It gives us piece of mind knowing that we can take him to the vet when anything out of the ordinary is going on with him. Everything has been covered without issue. Our vet faxes in the claim for us and we have a reimbursement check in a couple of weeks. I love that you can view the progress of claims online. Thank you Embrace for being there when we needed you!!!!!