This is the 3rd time I've had a claim...each one was handled quickly, professionally,and with personal interest. My check was sent to me within 10 days. If I've called for help or some information, I spoke with an Embrace representative immediately and he/she was courteous and helpful. I wish my own health coverage provider was as helpful as Embrace...they can take lessons from Rambo's insurance company!!! This is money well spent, believe me!