We get great service and great coverage for our cats over the last few years. We have one cat who developed a heart problem at about age 8, and we are able to get him an annual cardiology appointment to give him the best possible care to help him live longer. We've been reimbursed for one knee surgery, one very sad acute illness and death, and one neurological problem of an indeterminate origin.
Embrace doesn't cover dental, but when I looked into a different company that did (when we got a new cat), I found that the "dental" coverage was only for problems, not cleaning. And only in effect if your cat had an annual cleaning. That's a lot of anesthesia that may be unnecessary depending on the cat's teeth. So we continued with Embrace for the new cat. There have been no surprises, no items not covered that we thought should have been.