I have had my dog insured for about a year with Embrace. They have paid most claims to my satisfaction, most importantly I have noticed that they are fair and transparent in making their decisions.
I shopped around and did my research. I found that Embrace was one of the only companies that had favorable pre-existing condition provisions. This is extremely helpful for those of us that rescued our pets or got them later in their life.
The representatives are extremely responsive and really take their jobs seriously. You can tell that they love animals. I also like that they email you when they have received a claim and keep you informed of the claim status throughout the process.