I have insurance for my six year old German Shepherd and my half Lab and half German Shepherd puppy. The reason I chose Embrace is because their coverage seemed broader than most pet insurance companies and so far we have been reimbursed for everything we were expecting, including some things we weren't expecting (e.g. a tooth removal).
I have been very impressed with Embrace's prompt responses and willingness to keep me in the loop thus far. Their customer service is excellent. The only thing I wish I could change was waiting so long to get pet insurance for my older dog because she has many pre-existing conditions. Still worth it though!