In the beginning, it took several weeks to get reimbursed, but that part is getting better.

After creating the quote, I received the link via email to retrieve it. Retrieving it was fine but after filling in the information (including credit card), I hit the Purchase button and I got a pop up box and then it just returned me to the form page. I had to type in the URL manually in another browser in order to successfully sign up my pup.

UPDATE: Replying to Embrace Pet Insurance . I don't think that's true that 92% get approved. There are tons of reddits of customers complaining that your company will find anything as a preexisting. I stand by my experience this company was horrible to deal with and every little thing will be "oh that was a preexisting" I even had the medical director email the underwriter to say No this wasn't preexisting and a "cough" doesn't mean a dog has preexisting heart disease, give me a break, don't you think I would have seen a cardiologist sooner if that was the case? They make up their own stories and tell you that it was "preexisting" when I told them my dog just got newly diagnosed and it's upsetting, nope they don't believe you. I do not trust this company. I cancelled my insurance and will pay out of pocket. Scams. Google on reddit this company too, you will see it's not just me.

I thought this would be an easy company to deal with, associated with USAA. Sure, they employ nice people who are helpful when you call in to dispute a claim that wasn’t covered, but get ready because you will be calling them a lot.

Don't waste your money.

Takes a long time to review and approve claims. Was told when I signed up for the insurance claims would only take 3-5 days. It can take up to over a month. Otherwise I have 3 dogs under the unlimited plan and the charge per month is not terrible and the reimbursement is set for 80%. It's just the turn around of getting reimbursed

I thought because USAA partnered with Embrace that it would be an easier insurance provider to deal with, being that we are a military household. We are also overseas, as many military are, so I was not expecting the strange loopholes this company gives to overseas clients.

Excellent is good company

The fecal tests that I submitted with the claim was not approved and stated as preventive. However, there is not a way to diagnost and follow up about this desease unless a fecal test is made.

The company didn’t charge me for July payment. So I called to alert them. Now they are charging twice in one month without any notification. I did call. Twice. Your people said it was an issue with your payment processing people. I understand crap happens but alert your customers to expect two charges in one month