We also have Embrace and have been very pleased with them. We met our $200 deductible earlier this year when Ruby had her tear ducts cleaned out, so I'm currently awaiting my checks for her knee surgery. Prior to the surgery, we had to go the vet emergently to have her kneecap put back in place. Embrace is paying us back 90% of both that visit and the surgery, so I think we only ended up paying about $200 out of pocket for the entire thing. They are also VERY prompt with returning emails and phone calls and are so incredibly nice and caring. They even sent us a Christmas card last year! I would (and do) highly recommend this company.
Jessica, mom to Ruby, 1 yr. old blenheim