I've had Embrace coverage for a couple of years now after losing our Doberman girl to a ruptured disc. Our rescued Greyhound had a couple of incidents this year and the coverage helped with the vet bill, the paperwork was easy, the reimbursement was quick. They keep in touch by email and have a portal on their website. If the policy holder reads the policy options and pays attention to the coverage there shouldn't be problems. I've visited their offices (with my pets), met the staff and then-owner and was impressed by their friendliness and professionalism. They were not shy about showing me their digs and even the software to see how my claims are handled.I think they had some recent ownership changes, but I have seen no negative change in my dealings with them. I endorse them completely.