Even tho the vet techs know the system to connect with you , the steps seem never ending. I've given up on email or iPhone for submitting invoices, just mail them.

Poor , not very good insurance

The rates have gone up an average of 30-40% every year. This year for my 2 dogs it is going up 258%. It is going from $138.09 to $356.39. One of the dogs went up 320% because he turned 10. The other is only 4 years old and went up 55%. Despite what they say in their reply it is not true. My 10 year old has been insured since he was a puppy. He has never had a surgery! He las low thyroid and arthritis, that’s it!

⭐ Review: Embrace Pet Insurance via USAA – A Cautionary Tale

We are very happy with the coverage we have for our kitty. The claims process is also easy and smooth. We can relax knowing that our pet is cared for.

I keep sending all required medical records for Sabrina. However, I continually get emails that you haven’t received them and eventually have my claim denied!

It is terrible denied my claim because they said his symptoms started in the waiting period where I had already paid for the insurance but was not covered???? Even though it did not and I don’t know what that information is coming from seems like a scam do not recommend waisted 100 dollars for the months I’ve been on not to mention it took them a month to process my claim said I needed two years of vet history or my claim would be denied when I just got the dog a couple of months ago

Negatives include: that you raise my rates every opportunity you get. You charge my full deductible for every single bump that's removed from my dog - claiming they're different types of bumps. Outrageous. A mass removal is a mass removal and should be categorized as such. While I'm grateful to get some money back on some claims (not all), I question whether paying the monthly rate plus my deductible plus getting zero reimbursement for exams, medicine, or taxes is really worth it.

The off shore reps are hard to understand and they don’t understand me. That makes it difficult to get anything done

I met my deductible but had to pay for most of the charges after that and have more expense coming. At this point I am thinking it is not worth continuing.