So far, so good! We have both our dogs covered by Embrace and the service has been excellent. Our long haired chihuahua was having some skin issues and was referred to a dermatologist by her primary vet. She has had to go once a month to monitor her progress on her meds and after we met our deductible, Embrace has reimbursed most of what we have spent in a very timely manner. The whole process has been super easy and getting Embrace has definitely been one of the best decisions we could have made.