Embrace has been absolutely wonderful to work with. The wellness plan claims have been processed almost immediately, I definitely did not expect such a fast turn around.Our puppy is somewhat of an "unlucky" puppy. It doesn't seem to matter what kind of precautions we take, he always manages to have something wrong with him. Embrace has handled every claim quickly and efficiently. They always ask how our baby is and make sure that all my questions and concerns are answered.
My only advice is to read their website in its entirety (just as you should ANY insurance company, for yourself or your pet). They tell you that they need your pet's health records and what isn't covered. If you have questions before you sign up, ask them! They are very friendly and helpful. They helped me customize my own plan for my puppy. I have not one bad thing to say about them.