I have two insurances, Embrace for my younger pug and Healthy Paws for my older Pug. Healthy Paws was a NIGHTMARE and took my money for months without letting me know upfront what was considered a preexisting condition, until I filed my first claim, which was denied due to PAST weight issues that they were somehow linking to this blood test. So they were cancelled immediately.
Embrace on the other hand let me know right away what was covered and what wasn't covered for my pug as soon as they got their medical records. My vet submits my claims and I get reimbursed very quickly. I also really like their Wellness plan. I wish I could sign my older pug up for their insurance but they do have an age cap.