Embrace is a great insurance company. My dachshund had emergency back surgery and the only charge they did not allow out of the 5,000 dollar surgery was 4 bucks. I've been with them for 3 years and, to me, they pay the claims incredibly fast compared to my own health insurance company that takes 3 to 4 months. I have always received a check from Embrace between 7 and 15 days. They send off an email when they receive a claim. They send one when it's processed, and they check to make sure you received payment. Always courteous and professional employees. My only complaint is that they can't insure humans.