Everything can be sent via fax or e-mail - so convenient, compared to regular mail. We submitted wellness and illness on the same receipt - Embrace sorted it out for us, with just a request for the illness claim form. We then had many receipts, because our girl dog had emergency surgery for a perforated intestine, peritonitis and sepsis, and lymphoma. We could barely keep the receipts straight (let alone worry about insurance claims when our dog was so ill). Embrace sent e-mails to notify that they received the claim. Then they sent e-mails to update that the claims were being processed. Then they sent the reimbursement e-mail, with detailed explanation of payment, and a running total. This was far easier than human medical insurance claims. The direct deposit option is outstanding - complete turnaround for claim review and deposit was under two weeks, so we could pay the credit card in the same billing cycle. We are so grateful for the exceptional service, and caring human beings. My vet had the Embrace flyer, which is how I learned about you.