Embrace Pet Insurance

I’ve had Embrace for 13 years now. Embrace is easy to work with, and pretty transparent. Something to be aware of, you should get preapproval on surgeries. You just never know, as some items may not covered. Also prescriptions for home are not covered unless you add to your policy (few dollars extra). All in all, it’s a good insurance. Surgery for my dog was $12,500, not to mention the previous visits. I was really glad to have embrace, as together they covered the $10,000 after my yearly $500 copay. I wish they would cover more as I ended up out of pocket after that as well.

I purchased pet insurance for my 8 years old large dog since January 07, 2022. The waiting period for illness cover is 2 weeks, equals to January 21, 2022. 01/19/2022, my dog got a mass under his right front paws and it was hurting him badly. I brought him to the Veterans for surgery, that day cost $714. Because of it was within the waiting period, so this cost was not covered. 2/23/2022 and 3/9/2022, I brought my dog to checking up, the veterans did digital radiographs, exams and medicine, discovered my dog had heart failure, these 2 bills were $347 and $357, and they were applied to policy deductible of $750, so I didn’t receive any reimbursement either. Start the claim of 3/29/2022 of $70, after applied to the remain deductible, I received a check of $10. Since the deductible was fully applied, all the claims after 3/29/2022 are reimbursement 90% to me.

It's refreshing not to have to wait for customer service to answer a call. The customer service rep was gracious, understanding & had the change I needed to make completed immediately. I'm very satisfied with the service I received during this call! However, overall their policy is complex for an older pet. My complaint with Embrace is understanding and/or remembering what's required when you make a claim & how long they take to process a claim. (Yes, you can read the lengthy policy but you'd have to do that every time.)

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.

I did a lot of research on pet insurances and Embrace rose to the top. I signed up and true to the reviews they excepted my claims and I was completely satisfied until my renewal on the second year. I was shocked and certain that a mistake was made. My monthly bill went from $66 a month to $98 a month. Please note that I put in claims that did NOT exceed my deductible last year. They did not reimburse me any money so it's not as if my pup has any issues. When I called they said renewals can jump 25-35 percent a year as an industry standard. When I pointed out they well exceeded that number they said there was nothing they could do. It was not based on claims. Just the age of the dog and policy age. She is only 7 years old and has many years before major issues occur. I supplied a medical history when I signed up showing she had been a healthy dog. I feel scammed by Embrace and now have to start this process all over.

I found that it was very simple to upload my vet invoice with my claim and I was very quickly reimbursed for the qualifying amount. I would definitely recommend this insurance company to a friend. Great service and a great response time!

Embrace representatives pushed and pushed for me to get a ligament and joint review for my dog within the first six months of the policy. We did because it was explained as being helpful for us. The only thing noted was mild crepitus, meaning her knees pop occasionally when tested. Fast forward two years, we have never missed a payment and never had a claim outside of wellness which is a separate policy anyway. My dog has a ruptured ACL. Since her knees mildly popped two years ago, they are refusing to even cover the initial visit which identified it, much less the surgery she now needs. They have very unethical business practices. They only care about the bottom line and not the clients or the animals.

The gentleman who I spoke with that signed Zappa up with insurance was great. The reason Embrace received a 3 star rating is because of how long it's taking to get my claim complete. I wish Embrace was a bit quicker at finishing up my claim so that I can get paid.

This company gives you the runaround to avoid paying claims. My 9 month old puppy had a upper respiratory infection. I took him to the vet and the charge was $125. I submitted a claim but I keep being told they don't have all of my dogs medical records even after I uploaded everything multiple times. They then contacted my vet and got what they needed but after a week they decided they still needed more. After getting that they decided they needed records from the vet that completed his Neutering appt. It's ridiculous. That vet doesn't even have any records other than what was from the Neutering appt. Anyway even after getting this they still haven't paid the claim. It's been over 2 months... I would not recommend this company to anyone.