I've never had a pet, therefore I had no need for pet insurance and honestly, I was a bit sceptical about how it would work so I'd thought I would purchase it for my first kitten "Banana". Online process was smooth and user friendly. My 1st claim was for my kittens 1st vaccines & Exam, I faxed the claim to Embrace on Monday morning after Bananas 1st vet visit and I had an email from them Thursday stating how much my reimbursement would beand that I should receive my reimbursement within 2 day. I highly suggest that when you first purchase your pet(s) plan, that you call them atyour earliest convenience to give them your bank account info for quicker reimbursement. My experiencehas been pleasant so far and after reading over so many pet insurance companies and Embrace had good ratings and so far have prooved it. Thanks Embrace!