Pretty good customer service. Turn around time for reimbursements generally quick. The problem is the high increase of premium this year. GSD 8 years old. Pretty healthy overall. I believe that since he gets monthly shots and needs checkups for arthritis they increase payments more. Premium was raised almost $100! We had to greatly decrease our coverage for him to be able to afford it. Went from $200-$500 deductible. Dropped max yearly from $10,000 down to $5000. Went from 90% payback down to 70%. Seniors on a fixed income but we may end up not being able to keep up payments. They will do the same thing to us next year! We have it in case of emergency too, but it seems we are paying more than what we

I had a terrible time with the online system today. I had three claims to submit and had to do each one smore than one time as something always popped up and caused a restart. Also, the menu for the hospital names jumped a few times causing me to select the wrong provider and having to go back and try again. Not a very good experience today.

Avoid at all costs! They increase rates by as much as 57% every year for a single healthy young pup. When you do file a claim, they often deny giving an accuse that the itemized bill isn't legible, when anyone with normal vision can read it perfectly fine.

Hire more people so the wait on the phone isn't soooo long.

This is a total SCAM. I filed 7 claims over the course of a year, and ALL of them were denied. I canceled the insurance and the confirmed that it was canceled and then continued charging my credit card. STAY AWAY!

While I appreciate the idea of insurance...I have struggled to understand what is and is NOT covered. I thought that an injury/illness would be covered up to the % we selected - not subject to the deductible - which seems to be applied to our wellness plan. It is somewhat confusing.

I've used Embrace for seven years and have no complaints about the coverage or reimbursement process, but for the second year in a row the premium for one of my dogs has spiked significantly.

USAA RECOMMENDED, BUT

Claims are processed and paid pretty quick. Customer service is good. Three stars is because they raise the premiums greatly annually at policy renewal. Like 100% increase. The only way to lower it is to reduce benefits. Eventually, it just won't be worth having.

I have an issue with rejection of a claim for an injury and have called several times and ask to speak with supervisor and no one has returned my call or addressed the issue. Very time consuming with a new oup