Everyone at Embrace is always very courteous, whether responding by email or communicating by phone. They don't try to trick you or skirt around your issue. My only suggestion to better serve Embrace's clients is to have one, and only one, representative handle the claims submitted on one date. That way, they can accurately review the claims and alleviate the back and forth questions due to multiple claims being submitted at one time. Also, and I have been advised that this is being worked on, the issue of not being able to view your claims online if you are using an Ipad or Iphone needs to be resolved. My recent claims were handled within a few weeks and both service personnel were helpful.