Embrace Pet Insurance

I like how easy it is for submit a claim. I dislike that almost every time I submit a claim I get a message in my portal saying they don't have enough info to process my claim and that Embrace requested additional info from my vet. I usually wait a couple days to see if the docs arrived before I email Embrace to ask what docs they need so I can request them myself and get a speedier resolution of my claim. I have NEVER received a message back from Embrace about what extra docs they need from the vet. I ALWAYS end up calling Embrace and speaking with a rep who suddenly doesn't need additional docs and processes my claim immediately. Always feels like Embrace is delaying processing and hopes I'll just forget. I appreciate the reps on the phone for immediately resolving my claims since the online department apparently never can without a phone call from me.

Embrace Pet Insurance has far outshone any pet insurance product I’ve ever had. They insured my cat who, ultimately & sadly, had two different forms of cancer over the course of three years. Embrace paid every single claim for his NYC pricey treatment from biopsies to surgeries to specialty medications. I repeat; they never challenged one claim.

I have NOTHING but good things to say about Embrace! The app made submitting claims a breeze and everyone I have been in contact with was extremely nice and helpful. There were no hoops to jump through to get claims processed. Unfortunately my pup was poisoned and sadly passed away; we had a high vet bill and Embrace processed much quicker than anticipated. I never had to contact them to explain the situation or notify them of my baby’s passing. They saw in the vet bill and immediately reached out to offer condolences, I didn’t even need to cancel coverage as they had already done so for me. They made a difficult time so much easier for me and I will always be grateful.

Policy Holder since Oct 2018 and best money ever spent. Dog was almost 11 yr old when purchased policy and felt price was very reasonable (under $100/mo) for a senior larger breed dog (Shepard mix). Being a senior she has arthritis and also diagnosed with Cushing's disease so has periodic testing and monthly meds. Also unfortunately, she has had 2 surgeries to remove foreign objects she ingested. Let me say that the peace of mind knowing that we are 90% of meds/procedure costs back is priceless for our 4 legged family member. I simply have provided the claim form to the Vet and they handle everything for me.

I want to thank each and everyone of you at Embrace Pet Insurance. I have had my dog and 2 cats insured through Embrace for several years and up until recently, I have been lucky to not have to submit a claim. Unfortunately, my kitty, Smokey, began losing weight. He was very sick and I was taking him to the Vet and after much testing, they found he had Triaditis and Cancer of the Intestines. Needless to say, it was expensive and had it not been for Embrace, I could not have given my kitty extra time and comfort before I had to send him to the Rainbow Bridge. Embrace made it so easy to submit claim forms for each Vet visit, each test, all the medication poor Smokey was on. They processed the claims efficiently and quickly. They approved everything that was covered under the policy I chose and the checks were in my hands so I could continue to try to help my kitty. Smokey was the sweetest, kindest cat I have ever known. I miss him so much.

Our cat had severe gastritis on Thanksgiving and was vomiting every thirty minutes to an hour for twelve hours. We had to take her to the animal hospital where she was treated. Since it was our first claim, Embrace requested her medical history which my vet submitted immediately. I confirmed with Embrace that it was received immediately. It is now January 7th and Embrace has still not processed the claim. Had I known they would would sit on claims for months and provide near non-existent customer service (I receive the same standard, generic email every time I question the status), I would’ve chosen a better provider. I also recently received notice that our premium will be going up significantly for the next year, which I assume is in response to the fact that we filed a claim, even though they have not paid the claim.

I purchased Embrace for my puppy. The day of enrollment is off by 1 day which I believe is a clerical error so now they will not cover any issues related to urine related health issues they deem that pre existing. I don’t it doesn’t make sense that I would purchase the policy and bring the puppy on the same day. When my other dog broke his hind leg due to cancer they said it was orthopedic, therefore NOT Covered, I put him to sleep regardless a 260 pound dog whose rear paw breaks from a cancerous tumor that I had no idea was there. Cannot live a good life on 3 legs and would have passed from the cancer within 3 months. Don’t recommend. Now I am stuck with a company that doesn’t pay. Also their deductible is not prorated. I paid 1,000 deductible for 6 months. When purchasing the policy I asked for 2 separate policies for each dog they said NO. Everyone raves about Nationwide. I should have went with them.

Embrace were exactly what I needed when I needed them. My Dane ran into the side of a moving car, suffering two collapsed lungs, and a broken right front leg in the process. He spent a week in the hospital before even having his leg surgically repaired. My policy with Embrace saved me from having to make a very painful decision about how much care (and expense) might be reasonable. The ordeal was still quite expensive, of course, but would have been much more so without Embrace, who settled and paid my claim very quickly, efficiently, and compassionately. Thank you.

My husband and I were skeptical about pet insurance but Embrace has erased all of our doubts. Our claims have been processed quickly and with absolutely no unexpected explanations or concerns. We could not be happier with our decision to insure our two Schnauzers with Embrace Pet Insurance.

I've had Embrace since I adopted my dog almost two years ago and it has been incredible. It is an easy to use platform that makes buying and renewing policies, processing claims and talking with a member of the team extremely easy. They are quick to process claims and do any and all back end analysis with the veterinarian so you don't have to worry about it. I tell all my friends that are dog owners to buy pet insurance, specifically Embrace. Highly Recommend 10 out of 10.