As with people insurance, we hope we never have to use our Embrace benefits, but we sure are glad we have them!We are just a little over the 6 month mark in our first year with Embrace. In that time we've had two wellness claims and one illness claim. The wellness claims were processed very quickly by a couple of the most friendly people I've had the pleasure to be in contact with. We are still waiting for information about the illness claim, but I understand that these types of claims would be a little more involved. So far, I've been very pleased with all aspects of Embrace pet insurance.