I Submitted two claims at the same time to be handled. I was impressed that I was notified that they received the claims from the vet and they would let me know within a certain time frame what amount would be covered. In less then 10 days I got an e-mail telling me that my dogs medication would be totally covered. I was very excited. A few days later I received my check. I am still waiting to hear about claim #2.This one is for extensive Dental surgery. I have no doubt it will be handled in a fair time frame. I am so happy that I chose this company and I have already told friends and family how impressed I am with Embrace.