I really like Embrace. I did a lot of research prior to purchasing insurance, and Embrace has lived up to it all. After I hit my deductible last month, I have had no problems getting reimbursed on the payment schedule that I expected. The staff is courteous and very helpful every time I call. Claims are processed quickly and the forms are fairly simple. The rates do not change wildly year to year.
My biggest concern was that our vet would see the forms as a burden, but they don't seem to mind.