I had to use my insurance for the first time ever since I got this insurance. Both of my dogs had x-rays, biopsies, lab work, medication, etc. I turned in my claim, (no deductible because I have never filed a claim, awesome perk by the way!!) And within about 2 weeks, I had my reimbursement check. No questions asked, no problems at all! Customer service is top notch! So glad I chose Embrace for my furbabies!!