I have been very happy with Embrace. Often you don't expect that a new puppy will need vet care, but sometimes, as in my case, a diagnosis requires extensive testing which would have been unaffordable without insurance.
So, I am both happy and relieved to have found Embrace, which I did not know about before my vet suggested it. This first puppy year w/ Embrace has been refreshingly surprising. The adjustments are exactly as promised and very quickly concluded. On the basis of my first year with them, I heartily recommend them over other companies I have used. The premiums are fair and the service is excellent and the team very helpful.