Unlike the VPI Pet Insurance policy, the primary Embrace policy covers relatively little. Despite having well over $1000 in vet bills since that time, the Embrace accident/injury policy has covered nothing (whereas the generic VPI policy would have). Do not be fooled into thinking that you will be able to add a wellness benefit later; they will not let you during the course of an insurance term.
I chose Embrace in part because I expected that the extra cost would be worth what I perceived to be superior customer service. I was wrong about that. To make matters worse, I have had to wait for nearly a month to receive a decision on my claim. I had to call them in order to get a response.
I would only recommend Embrace if you are absolutely sure that you want nothing other than accident coverage. I sincerely wish I had chosen VPI insurance as my vet originally recommended.