We just received our first reimbursement from Embrace. Our deductible is on the high side, so we don't generally meet it, but this year was an accident prone one for our little Sheltie puppy, Rocco. Nothing too serious, but little things that added up.
We also have another Sheltie, Dante, with a pre-existing condition. For both of our dogs, we submit paperwork simply for record-keeping. Each time we contact Embrace, we are met with kindness, professionalism, and respect. And, the best part is that they are great communicators! I love that I get emails just to tell me that they are working on our file and that we can expect an update soon. I always know where things stand with Embrace, and I highly recommend them.