I just completed the process on my first claim with Embrace and it was a breeze. The claim was for an emergency visit due to illness. The company e-mailed me in a timely fashion if additional documentation was needed and kept me informed of where they were in the review process. I work in the health care industry and anticipated problems with obtaining reimbursement, as that is the norm in health care. However, Embrace reviewed my claim and mailed the payment in less than seven business days.