I thought I would update since we have been with Embrace for the a year and a half now and have had a chance to actually utilize Embrace's insurance claim services.
Customer Service is always accessible and responsive to inquiries. They will send you a notification upon receipt of claims and give you an estimate of how long it will take to process. And claims are paid very timely. The option to have it directly deposited into your bank acct is wonderful. Luckily, our Newf has been very healthy so we had only had sickness/incident file claims a few times.
We have the additional Wellness Add On Benefit. Just her yearly checkup and heartworm preventative always exceeds the yearly premium paid out, and we always see full return on it -- so it is definitely a plus to have the additional coverage.
I'd definitely recommend Embrace to anyone looking for health insurance coverage for their furbabies.