I just switched pet insurance companies, and within two months my older cat got very ill. The vet initially thought it was bladder cancer, but it turned out to be feline lower urinary tract disease that presented differently. I used up my deductible quickly with all the tests, and then the insurance kicked in.
The claims have been easy to file and I've been reimbursed quickly. I chose the drug coverage and the only thing I was disappointed in not being covered was an expensive anti-diarrhea medicine that turned out not to be a prescription drug.
Embrace was the least expensive insurance I looked at, so I was worried they would be very picky with the claims, but that has not been the case.