My younger dog has been embraced since I got him as a puppy -- about a year and a half now. While they went through a period where it took them up to 3 weeks to process a claim, they're back to processing them in under a week. With my dog electrocuting himself and his allergies, I've sent in a lot of claims. I've never had one questionned or denied. And their wellness coverage is great. I only wish I'd discovered Embrace sooner so I could have gotten my 10-year-old dog covered as well.
Welsh Springer Spaniel