My Spinone is now 9 months old and I have had him covered by Embrace from the start. We've been to the vet a number of times already - thankfully nothing too serious - and Embrace has reimbursed exactly as promised in every case. I have been very pleased with the customer service so far, it is mostly very prompt and the communication is great - I get an email each time a claim is received and then another when it is processed with the detailed info.
So far, so good with Embrace. I have nothing but great things to say and I feel like I made a very smart choice in choosing them to cover my dog.