I've had Embrace as my pet insurance carrier for almost two years and it has been so so helpful. Any claims I've put in were reviewed and approved in just a few days. I do notice that there are some individuals that were very unhappy with their service and I can't help but to notice that the majority of them are from California. I wonder if there is some kind of caveat in that state like they have with the vehicles.
Overall, I am very happy with their customer service, it is affordable and every time I receive my full reimbursement, I put it towards my care credit ultimately paying nothing out of pocket :-) I'm sorry others are having issues but to make the most informed decision and to be sure they are the best for your fur baby, call them and make sure you understand what they cover and don't cover.