Filed three claims recently on my 7 yr and 8 yr old Pomeranian dogs. Claims were received and processed promptly. Two claims for illness and one for wellness. Emails received once the claims were received and I was informed of the resolution of all three claims very quickly. Refunds deposited into my bank checking account. Everything was done very efficiently and Embrace kept me informed when claims we received and resolution of each claim. Been using Embrace for over six years now. Glad I got pet insurance when my dogs were young.