Embrace has been wonderful to deal with through the entire process, from choosing a pet insurance carrier to filing a claim. We did the orthopedic exam waiver and chart review when we got the insurance . When I filed a claim for an orthopedic issue 10 months after getting insurance it was covered. Our vet sent in the claim forms and about 1 week later I received an email saying it was covered and a check was in the mail. Thanks Embrace!