I had a bill for $21.87 and when the vet submitted the claim they forgot to include the invoice. Embrace reached out to let me know. Their customer service is outstanding! A small bill and they still wanted to be sure I was paid. They are efficient and concerned about our pet,as well, no matter the issue. I did a lot of research before I chose Embrace and have had them for over 2 years. I have also had some very expensive claims over $500 they have taken care of.