Embrace Pet Insurance

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.

My husband scheduled our dog's annual physical and I didn't know about it until after he'd already taken her. I've explained to him more than once that insurance will only cover one physical per year (humans & pets) so they have to be scheduled for at least a year after the previous physical. This one was less than 10 months after her previous physical.

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 have had up to four dogs insured with Embrace at any given time. Embrace offers very competitive rates and we have been with them since 2014. They have always processed claims in a timely manner and we receive reimbursement via direct deposit very quickly. When I do call Embrace, their customer service agents are highly professional and very helpful at all times.

This company is always helpful and very professional and honest. Everyone who works here is well trained and compassionate. I've been with Embrace for about 4 years and have been totally satisfied with this insurance for my animals. Thank you.

As always, I got excellent service today from a Customer care representative at Embrace. The representative was very patient and spent the necessary time to explain the claims to me in detail, so that I could take any needed action for those that haven't gone through yet.

My policy premium has increased 30% year over year over the last 3 years, with absolutely no changes to the policy and no claims, because my dog (who is only 3) is perfectly healthy. That means year 1 was $454, year 2 was $590, year 3 was $767. They’ve been insuring my healthy puppy since he was less than a year old and he’s now 3, again - perfectly healthy. How does a puppy have an insurance bill skyrocket from $454 to $767 between 2017 and 2020? Buyer beware, if you aren’t expecting a 30% rate increase year over year, you might get the same gut punch I did at renewal. By next year, a 30% rate increase will take me to a $1000/year premium, with a young 4 year old dog...how does that make sense?

They will add a pre existing condition for anything you tell to your vet. Took my dog to the vet 'cause he had diarrhea and was vomiting. They attributed that to his diet change which happened more than 6 months ago! Imagine, they are saying that I left my dog vomiting and spewing diarrhea for 6+ months before I took him to the vet! What a dishonest bunch of scammers. They will prey on people in their weakest moments. STAY AWAY!