Embrace Pet Insurance

I research and compared every pet insurance company there is and finally decided on Embrace because it seemed the most trustworthy and inclusive. I didn't expect to need it but after my cat of 15 years suffered horribly and died from cancer I promised myself I would get insurance for any pet going forward. Well, Embrace has been a lifesaver with my kitty who ended up having a rare bone disease in a location that causes tremendous complications. We're still working through it but if it weren't for Embrace, I'd be in major debt, probably divorced and would have likely lost everything including my little love, who is full of life, despite his condition.

I applied to pet insurance in 09/2021 after I had a pet who got seriously ill and passed away after 6 days in the hospital, and we had to come to come out of pocket for it. I never wanted to put my family in that position again, so when I received an email about Embrace through USAA, I didn’t hesitate to sign up my current pets. It gave me peace of mind that if something like this were to ever happen again, that we could financially support it with the help of Embrace.

Everything about my experience with Embrace has been topnotch! From my initial conversation with customer service to see if it was a good fit through the entire claim process. The staff is very friendly, highly knowledgeable and knew their products and services very well. The claim process is extremely easy and fast. I have had to submit multiple claims and am beyond grateful that Embrace has my back. It has given me a sigh of relief and a sense of security knowing that my dog is covered. I also really love the option of the preventative coverage. Having a puppy initial vet visits, immunizations, spay/neutering are all covered. As well as, emergency, dental, prescriptions and things like acupuncture. I never thought I would want or need pet insurance but now I’m so glad I have it and I could not have picked a better company to go with then Embrace.

I have had Embrace pet insurance for a pet in the past and now my corgi. I previously had another pet insurance with a past pet that did not cover as much and was about the same price. Embrace pet insurance has always been amazing to me and my animals, from customer support all the way through coverage. One large incident I'd like to bring up is that my corgi puppy recently had an accident and NEEDED orthopedic surgery on her metatarsal and tarsal where they'd put a plate in and fuse bones. The accident happened on a Thursday night, Embrace gave us pre approval for a $5.5k surgery by Tuesday the next week and she had surgery the next day.

Our dog required emergency GDV surgery that involved two different emergency facilities and an extra night stay in the hospital to recover. I submitted the claims within days, and the claims were processed impressively fast. We received a check for payment within two weeks of the surgery date and have been very pleased with how easy and quick the process was. Only one item was not covered as it was considered "preventive" - which seemed odd given this was an emergent situation, but the cost of the item was low enough that it wasn't worth worrying about. Overall truly impressed and happy. So glad we have this insurance for our dog.

I filed a few claims with Embrace and my pet insurance cost me more than my Medicare plan. It’s unbelievable how this nonsense works. I would recommend Embrace to my worse enemy. After speaking with customer service they couldn’t explain the reason for the increase therefore I cancel my plan at renewal. I just don’t understand why my premiums when up after filing a claim. Isn’t that why we have insurance?

I've been using Embrace for about 8 years now. They are fantastic! They don't haggle over coverage, they timely reimburse you, and they have great customer service. Don't go anywhere else for your pet insurance needs. My dog has melanoma and has ulcers in both eyes. The coverage paid out has been about $15,000 and they've never given me one problem with paying. I'm happier with this company than any other company I've ever used for insurance! AT

I wish I wouldn't have selected this company as my pet insurance. My dog jumped out of the car tore his ACL and they refused to cover the $2800 surgery stating it happened during the 6 month orthopedic waiting period and even though it was an accident it was still considered orthopedic. I don't see the point in having this insurance if they find clever wording to not cover surgeries. And my monthly payment is now $147.50... Absolutely disgusting.

Our Lab mix recently began showing signs of lameness in his front legs. We took him to our vet and he stated that our dog had arthritis and bone spurs in both elbows and recommended an eight shot treatment of a substance that was supposed to help lubricate the joints and a laser treatment that was supposed to reduce inflammation. He was also placed on ** for longer term relief. I was happy to see that this treatment was covered under our policy and we received a check for the amount paid over our deductible. The process was easy and quick and I could not be happier with the service. Thank you, Embrace!

Disappointed that Nico's second claim is considered preexisting when is different from his first condition, pancreatitis vs gastrointestinal which could be from something he ingested. What is the point of having insurance if I'm getting $10 on a $1000 claim?