The pay back is ggod, the communication is good. However, when I started my policy I was told 10 to 15 days for payment. Then it went to 20 to 25 days. After that I was told those days do not include weekends. All of this should have been made clear at the beginning.
Embrace needs to set up payment to the Vet. Many people need the insurance because they don't have the money in pocket. So actually we are paying for the entire visit up front. Human's insurance doesn't work that way and neither should pet insurance.