I submitted 4 claims for vet appointments and a surgery for my english bulldog's knee surgery. It took about 5 weeks for the process to be reviewed which i felt was unnecessarily lengthy. The delay was due to a TEMPORARY pre existing condition exemption that had expired about a year earlier. They wanted to make sure that there hadnt been any issues during the temporary exemption waiting period. I felt as though the process was unnecessarily long to wait, but ultimately the claims were correctly covered. The staff was very friendly and explained the delay to me. And I recommend Embrace as one of the better companies.