Embrace Pet Insurance

My dog was diagnosed with a cruciate ligament tear, and the diagnosis was my first claim. This claim initially took WAY too long and the communication with me (or complete lack thereof) about what was causing the hold up was extremely frustrating. Every time I called in, a different person gave me a different reason and then claimed to resolve it, only for nothing to be updated and the claim to not be processed. In fact, the first time it was processed, it was declined due to the processor not reading the date of the invoice, but rather reading the date of her vaccinations that is logged on all invoices. That type of mistake is pure laziness.

We had rescued 2 pit bull-mastiff-lab mix puppies from a local Humane Society. Both were in great health but when one of them, Hamilton, developed a limp when he was a year and a half, we took him to the local vet who diagnosed him with a TPLO of the right hind leg, basically, as I understand it, he tore the tendon in the knee. He needed surgery so we took him to a nearby vet who specializes in sports injuries for dogs.

My very first pug, Ping, was 12.5 when she passed in 2013. In her later years she suffered with a UTI that wouldn't go away. Her vet bills were very expensive, as you can imagine. She needed an Ultra Sound for almost $2K. Whether it would have helped or not I have no idea. During this illness she was on expensive medication, special diet food purchased via my vet, and constant urine tests and cultures. As a retired individual I did the best I could for Ping. As an aging pug, she also developed spinal stenosis and lost control of her back legs and bladder. At the time, wheels for dogs weren't as popular and affordable as they are today. I lost my beautiful baby when I felt her quality of life was gone. I swore at that moment that I would never ever have a pug without purchasing insurance for it.

In 2009, I got my first Cocker Spaniel, and shortly thereafter I joined a cocker spaniel forum to learn more about the breed, grooming tips, etc. I learned a lot from this forum, particularly that cockers are predisposed to a variety of health issues, many of which are extremely expensive to treat. The other thing that I learned was that many of the owners obtained pet insurance for their cockers, but had mixed reviews as to their reputations. One company that kept getting excellent reviews was Embrace, and that is the company that I chose for my dog when she was a couple of years old. Their reputation for paying based on actual costs, and for not having breed-specific exclusions were two positive features that I liked.

I reviewed other pet insures and selected one. After contacting Embrace upon recommendation of my Auto Insurance, Geico I have been please with several aspects. Initial customer service has been excellent. Follow up by email and by phone has been excellent. I received a follow up call on Sunday afternoon in response to one of my inquiries. Embrace offers a 24/7 chat with a pet expert (appeared to be a vet, not sure about that). I chatted for about 30 minutes, all of my questions were answered, which was worth its weight in $$$$.

I had three dogs covered with Embrace. One is two years old. One day my daughter was walking him and her and the dog got attacked by two loose pit bulls. In the process the dog suffered several dog bites that required attention. I took him to the vet, the got patched and treated and fully recovered. I have filed a claim with Embrace, however the claim keeps getting pushed aside, because they have never received the detailed notes from the vet in Houston from when the dog was a puppy.

I have Embrace Pet Insurance on my 3 dogs. One of my dogs was diagnosed with lymphoma and is currently in chemotherapy. To minimize the expense to me, my vet allowed me to give the oral chemo to her at home instead of bringing her into the vet hospital for the treatment. Embrace would not insure the treatment since it was administered at home. If I would have brought my dog to the vet for the treatment, it would have been covered. I received an email from Embrace stating this.

My lab has been covered by Embrace for 10 years! Sadly, he was recently diagnosed with a Mast Cell Tumor. All I can say is this, Embrace has been there for us, paying every claim without question. Pet insurance is not cheap, but, I am so glad I have it now. Cancer treatments are so expensive and they are covered! Thank you, Embrace.

I adopted Kya from the Animal Shelter on May 2, 2018. I've only had her for one year. I wanted to be proactive and decided to get health and wellness insurance for her. I chose Embrace due to their great client reviews. Unfortunately, Embrace Claims process has been extremely challenging. Myself, and my vets have complied with sending Embrace her 12 month medical history; which has been on-going since March 25, 2019. My vets are beyond reproach and completely frustrated. I am researching another insurance provider.

Our pet is a family member and his health is priceless. Embrace has allowed to give him the best care available for his health needs. Without Embrace we could have acquired significant debt or even lost our sweet pet.

Thanks everyone at Embrace for helping offset the costs of my little baby's recent hospital visit! I love the partnership your company has with USAA, so I know my little Sierra will always be covered! All correspondences have been EASY, QUICK and never any drama. As a retired military member, I really appreicate your attention to detail and your commitment to your clients! Best investment I've made in years! Thanks again: Roy and Sierra.

On April 1, I took my cat in for a vet appointment and I was told she was in kidney failure and would need kitty dialysis to survive. The estimate was $4500 for 5 days at the emergency vet. I called Embrace and they stated that although they cannot confirm or deny coverage over the phone, the treatment should be covered if I filed a claim for it. Sadly, my cat did not respond well to treatment and after a day had passed, they recommended euthanasia. The total vet bills came to $1900. I submitted the claim and it was accepted almost immediately. They covered 80% of the cost, less the deductible, and I received payment within days.

I had a claim for my dog recently and Embrace was not getting the information that they had requested from my veterinarian but they were very patient through it all and in the end my claim was approved and I received my money in a timely manner after approval. Embrace makes it very easy to submit claims and get paid for them. I would recommend Embrace for pet insurance to anyone thinking of purchasing it.

Signed up my dog in July 2018 for Embrace Pet Insurance. Did not have a claim until November, when my dog was limping after being at the dog park. She is 10 but still very limber and active. Took until January before hearing back from the CSR at Embrace that they wanted more doctor's notes even though I was way past their "waiting" period. Sent in a year's worth of doctor's notes of vaccines and one previous visit for an ear infection.

I have never felt so wronged by a company more than what I endured with this company. They are extremely fraudulent. I was paying for pet insurance that was not even covered on my policy. (Going back)... They required a pre-policy medical exam before starting coverage. They stated that they would contact me if they were not able to obtain it. Since I did not hear from them, I assumed they were able to get my dog's record thus charging me for a premium policy. A year later when I filed a claim, they reported that they needed a medical exam. They had ME go to my vet and request that it be faxed to them. This made me quite upset as I had to do extra work for a service I am paying them for, in addition to them not doing their end in obtaining the items.

We purchased Embrace for our dog, only to find out that we would be giving a monthly investment to an insurance company that did not cover a Single claim. They always claimed there was a pre-existing condition. Our dog had had diarrhea once as a symptom in old records - and this meant that when she subsequently developed bloody stool and needed to be seen multiple times — this was a “pre-existing condition”. Despite multiple pleas from us and our vet in personalized notes describing why the two were unrelated, Embrace didn’t give us a penny. Their customer service was also horrendous. Long wait times to hear that our claims had been denied only added insult to injury. Buyer beware, don’t make the same mistake we did giving them hundreds of dollars to receive NOTHING in return.

They literally have done nothing except take my money and find any loophole not to pay. They go above and beyond to make sure you get nothing back for your pet. Not even simple meds or blood work. These people are disgusting on every level I swear. I wanna spit the worst venom possible but you all need to see this and avoid these disgusting human beings. I hope they all receive the same poor treatment themselves by their own health insurance cause they clearly aren't here for your pet at all.

I was a new customer to Embrace as of December. With a new puppy, I signed up to receive coverage. He passed puppy wellness exam and had no pre existing conditions for the 12 months prior to the day I became a customer. He passed the accident and illness waiver period. I took him in to complete an optional orthopedic waiver to reduce wait time from 6 months to immediate coverage. Found out, because of the optional waiver exam, my puppy had hip discomfort and did not score within normal limits. I did not submit the waiver request and chose to wait the waiting period.

I bought the monthly embrace plan for my corgi in 2015 when I first adopted him. I adopted him when he was 6.5 years when he needed a new home and improved care. I followed all of the requirements Embrace asked. When I adopted him he had a minor tooth issue. Due to this, nothing relating to his teeth/gums have been covered, resulting in more than $5,000 in out of pocket costs. The monthly premium has increased from 2015-2019 but the coverage has so far be unhelpful and a drain. This might be a good insurance if you are adopting a puppy, but I would recommend another insurer if you are adopting an older pup that needs a new start. Embrace will not be helpful.

Our Flatcoated Retriever decided to dine on a pair of woman's knee high socks, and we were not aware of this "meal" until he vomited up one sock. The other was removed surgically. Embrace very promptly paid the claim reimbursement a week after the forms were sent to them by the surgical hospital. No questions asked, just prompt, wonderful service! Thank you, Embrace - you rock!

Our dog Rosie tested positive for Heartworm, it is a 2 treatment procedure to treat, each claim submitted and process, was done quickly and reimbursement made quickly! Everyone involved at Embrace was so efficient and caring! Thank you!!

Embrace was very prompt in processing claims and sending me checks after three recent vet visits. Just wish the vets could have saved our senior dog. I would consider Embrace if we get another pet in the future.

Called today starting at 1215pm est. Got a recording telling me to call back during business hours 9am to 1pm. Tried both numbers. Got the same thing. Why are you guys closed 45 minutes early? Why is my rate increasing when there hasn’t been any claims? Why can I not cancel my renewal and policy that is up on 1 March on my account website? Your way you do business is unethical!!!

So far, Embrace Pet Insurance has proved to be all that I hoped it would. All of the Embrace personnel I have dealt with have been very compassionate, responsive, and accommodating. They have paid all claims in a timely manner, and they kept me from having to make a really difficult decision when one of my dogs needed major surgery to remove an abscess caused by a grass awn that threatened his life. I would not hesitate to recommend Embrace to anyone.

I have had Embrace for my Newfoundland since I got her as a puppy 6 years ago. Embrace customer service is very friendly and helpful. They reimburse quickly and I would recommend every new pet owner consider Embrace.

I have had Embrace Pet Insurance for a little over 8 years now. Their claims processing is extremely fast and accurate. They deposit my reimbursement right in to my checking account. I pay with my credit card and have the money in my account before the bill is due. Their customer service is excellent. Very friendly and helpful. I recommend Embrace to everyone, including strangers.

A few years ago a friend told me about Embrace and I have never been disappointed in the service I have received from them as far as responding to invoices sent to them. I will recommend Embrace Pet Insurance to anybody.

I've had Embrace Pet Insurance for one of my dogs for almost 5 years now, and the other for the 3 years we've had her. In that time, one dog has torn her cruciate ligament in both legs and had to have them surgically repaired. I could not be happier with the service and reimbursement process. Thank you!

Our 9 y/o dog have been generally very healthy. Just this year he had a traumatic hip dislocation and elevated liver enzymes. With both issues Embrace has been quick to respond and cover both conditions. We are very pleased with the quick and simple process with submitting a claim Embrace. Very happy to have chosen Embrace for our pup's health coverage.

We've had Embrace for over 5 years starting with our furbaby #1. Embrace covered her for teeth extractions and heart tumor diagnostics. Well into the thousands of dollars. All their forms are so simple and clearcut. They don't ask you a ton of details that you have to look up. Fast turnaround period. It's just an efficient company. Now we have all 3 of our furbabies with them. Wouldn't change a thing