My experience with Embrace has been 50/50, positive and negative. I obtained Embrace immediately after I adopted my dog, and chose the company due to good reviews. However, upon our first emergancy visit to the vet, we were denied coverage. I had been to a vet for my dog's initial check up, of whom cleared him for his orthopedic waiver, and prescribed an antihistamine for his sneezing/gagging. That same evening, it got worse, and sounded like a honking soun. I took him to the 24-hour emergancy vet, and he was diagnosed with kennel cough. Well, interestingly enough, in the doctor's notes (at both vets) when they asked me when the symptoms began, I honestly replied "a couple of days ago". Well, when I filed my claim with Embrace for both vet visits, they were denied. Reason being that the symptoms had begun before my 14-day grace period was up. Nevermind that my 14 day grace period had expired before I took to him to either of the vet facilities. To make matters worse, the vet at the 24-hour hospital wrote in a comment about a luxating patella, which forfieted my orthopedic waiver.
When I challenged Embrace on this, they were horrible. They told me in order to get the orthopedic waiver corrected I needed to go to an orthopedic specialist to have him evaluated (another cost). In terms of the kennel cough, the Embrace representative sent me a link to a website highlighting kennel cough and how to avoid it! As if this is what they base thier claim decisions on!
I find Embrace to be a business operating in bad faith. Even though I recently submitted a claim that was accepted, I believe it is only time before they deny something else based on some small detail. Now, of course I am stuck with them, as if I were to leave and find another company I suspect we would be told that there are pre-existing conditions that won't be covered.