I'm very surprised at the negative reviews here, because Embrace has been wonderful with handling my dog's claims, of which unfortunately there have been many. I had VPI pet insurance with my previous dog, and Embrace is superior in every way.
If you think a different insurance company is going to be more generous in evaluating whether a claim is due to a preexisting condition or not, I suspect you are sadly mistaken. My suggestion is to sign up your pet as soon as you get them, so that there is no question later on regarding whether a condition is preexisting or not. If you wait til they have been sick before you take out a policy, it's much more likely there are going to be issues.
Embrace's accident/illness plans can be customized to your taste, which really works for me. Their wellness plans are also very attractive.
Bottom line: I recommend Embrace to every dog and cat owner I know.