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.

They suck. Will do anything to not pay a claim!

Don't waste your money.

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.

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.

Customer service was great, but the actual coverage was extremely frustrating, time-consuming, and misleading.

Customer service is efficient and very nice. However, they do not cover pre-existing conditions like allergy dermatitis. For this reason, I’ll be switching to a company that does and there are a few others that do.

Cost four times increase in two years - for coverage that we have not used.

After having the insurance for a year they tied an issue with his limb to a non-covered event and denied the claim even though our vet noted it was part of that issue. They are not friendly when it comes to the denial of the claims. They give very detailed rejections and don't cover anything that may be covered. They are dishonest and their customer service hours are horrible.

A few months ago, I requested an upgrade for my plan. They said they would do it right at the renewal date, but they didn’t.