My dog, Abby, was recently diagnosed with DCM. Before the diagnosis, I had never placed a claim with Embrace. Needless to say, the bills added up quickly. During the entire process, every Embrace representative listened well, described info that I needed thoroughly and seemed to truly care. Once the documents were uploaded, payment was processed in the described timeframe. There were a couple of claims questioned but once the necessary paperwork was receive from the vet, the claim went through smoothly. I highly recommend this company!!