I have been a customer for about 6 months. I did A LOT of research before choosing a company. Embrace has been a very easy company to work with and has handled each claim with speed and they are very personable. I had one claim that was not covered because it was thought to be a pre-existing condition, but after my Vet wrote a letter explaining it was not, they overturned it right away.
I especially liked the option for prescription coverage. Well, worth it! They reimburse what you paid out minus your chosen co-pay. They don't have a set amount on what they will pay out on each procedure.
I just wish I got Pet insurance when my dog was a puppy. It would have saved me so much money. I recommend Embrace!