My experience with Embrace has only been positive. Always when I have submitted any claim toward deductible or the Wellness Rewards Program, have all be handled efficiently.
There is always someone from Embrace keeping me informed of my claim status (from the day they received it until they send the check).
And the best of all, you always talk w2ith real people, not impersonal and colds machines.
I love Embrace and always recommend it to my friends and everybody who has pets.