I have been an Embrace customer for two years, and we have had two events with our Beagle that warranted filing a claim. The first event we had no problems with, prompt communication and prompt payment. We are now trying to collect on our second claim and Embrace is making it as difficult as possible to even file a claim. They said they have "updated their administrative requirements" and now require medical history for three years in order to process a claim. They won't even consider the claim unless this is provided. Funny that they had no problems accepting our insurance premiums, but now claim that we aren't eligible for insurance without medical history. This after we have been customers for two years and previously filed a claim that went through just fine. BEWARE, it seems that they are reducing the quality of service. I will update this after we go through their administrative hula hoops and get them the medical history, but it seems very fishy.