Embrace Pet Insurance

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.

I'm really satisfied with Embrace Pet Insurance. When selecting Embrace several years ago, I read through all of the fine print, so there's been no surprises in terms of what's covered versus not covered. I was able to select a custom plan that fit my preferences in terms of my deductible, monthly premium, and maximum benefit. Asking my vet to submit claims for me has been really easy, and Embrace takes no more than two business days usually to process the claim. So many pets inevitably get sick, so it makes so much sense to get pet insurance!

In September 2018 I noticed that Jake was limping and seemed to have pain in his right hip. After taking him to the vet and having Xrays done, it was determined that our 4.5 yr old lab-great dane mix needed a new hip. I immediately called Embrace to find out what had to be done to ensure the insurance would cover this, indeed to find out IF they wound cover this. Imagine my joy and surprise when I was told, "Of course this is covered, let's start the paperwork so that it is precertified." WOW!!!. Within a matter of minutes, it was all done and Jake was set. Paying for something like this is a big deal and you wonder how to afford it. Embrace made it all so simple.

I signed up with Embrace 2 years ago for both my dogs through my USAA insurance, I figured hey, my trusted USAA trusts them so they should be trustworthy right? BIG WRONG! My prior experience with Embrace Wellness portion was great, easy peasy! And now when I need to use the accidental portion of my coverage, I’m totally being shafted. My dog tore her ACL ON 7/13, we had surgery 8/3. I submitted my claim And jump through hoops playing middle man and satisfying all embrace’s request to get all medical records of the 5 years of my Pomeranian, Daphne’s, life... being military and moving a lot, it’s no easy feat. Apparently my current vet’s medical records are not detailed enough for Embrace, which my vet's office has explained to embrace is all they Have/use.

This is a scam business. They will deny your claim under pre existing conditions that they fabricate. They literally said because he had contact dermatitis that when the doctor prescribed antibiotics 5 months later and he was allergic to the antibiotics that it was a preexisting condition. He then got injured on a hike and cut his toe so he needed stitches etc. They are going to ask me that "We are denying it based off the fact that he could of bite his foot in an allergy attack." What a scam company.

Embrace truly exceeded my expectations in handling my recent claim. For context, my dog recently swallowed some raisins and had to stay at an emergency pet clinic for 48 hours while they monitored her for any adverse side effects. The bill was rather expensive and I had assumed that Embrace would likely find some reason to deny the claim... or at least question it. Neither of these things happened! I submitted the claim online and within a reasonable amount of time they approved the claim without any pushback whatsoever. My deposit came shortly after that. I appreciate how quickly they were able to turn everything around and how little hassle they presented in the process. Would definitely recommend them as a pet insurance provider.

My dog had surgery last month. The procedure was covered and Embrace was super easy to work with and efficient. My reimbursement was in my account just weeks after the surgery. They answered their phone, I wasn’t on hold and they were able to answer all my questions. I had been skeptical about pet insurance but would do it again after my recent experience.

I've had this insurance for over a year now for my K-9 Service Dog. This company cannot or will not process claims in a timely manner without jumping thru hoops and doing their job for them... Do Waste Your Money...