So far I'm very pleased with Embrace. Kodi was having issues with blood in stool. The vet decided to do a fecal to rule out parasites. After that Kodi had a barium test and a few x-rays to see if he had swallowed a foreign object. I was reimbursed the exact amount that I figured I would get. I was sent emails which kept me up to date on the status of my claims. My check is in the mail as I write this for a claim on made on 7/12/11.