So far my experience with Embrace has only been positive. Fortunately we haven't run into anything major with our dog, so we haven't experienced that coverage fully ... but the illness claims I have submitted toward deductible have all be handled efficiently and I'm pleased with the process!
The thing I love about Embrace over the last year is that they are so kind, considerate and professional! You know that it's a real person you're communicating with and not some client-service "drone" :)
I love Embrace and highly recommend it to any one looking for pet insurance!