I like the model of the coverage here - basically the premiums are reasonably low and the coverage only kicks in if your bills go above a certain amount. This works well.
Everyone I've dealt with, by phone or email, has been really pleasant and helpful.
The paperwork to file a claim is a lot more onerous than VPI, which is where my elderly cat is insured (couldn't move him over to Embrace, he was too old to start over). For VPI, you just copy the bill and write a short explanation on their form. For Embrace, I had to get my vet to do it and then they even went back to my vet's for more info. It was a real nuisance for my vet and required a full couple of hours of staff time. Fortunately I'm a really good client so they were willing. But it was a pain, no question.
So, based on the reimbursement model and the customer service, I'd recommend Embrace to other people who have basically healthy animals and a good relationship with their vet that can withstand these P-I-T-A requests for information.