Embrace Pet Insurance

I didn't even know you could buy pet insurance until I was sitting in a pet emergency department with my beloved German shepherd as we tried to save him. 3 hours later he passed and we had a $2,500 bill. I found a pamphlet in the emergency department about how affordable pet insurance was. We had spend hundreds of dollars/month on our pet for expensive treatments. If we had only known.

I was always so weary about pet insurance but with my past experiences in the cost of vet bills I decided to give it a go. I learned about Embrace through USAA for my pet. I also opted for the most coverage and most rewards points. The claims process was extremely easy especially over the app, and the personnel over the phone are extremely helpful and kind. Unfortunately about a month ago my baby got very sick and was in and out of the ICU, last week I had to make that difficult decision that no one wants to make, he had advanced lymphoma and there was really nothing we could do. Embrace was by my side! If it wasn’t for having them as insurance I would have not been able to provide the best care for my pupper during his last days. If you have a pet and are looking for a phenomenal insurance who truly cares about animals, Embrace is definitely the way to go!!

I have two cats, one I adopted in 2017, and the other around Christmas of 2020. When I adopted my Tuxedo, I got her insurance with Healthy Paws, so that's who I had been with ever since. When it came time to adding the second cat to her account, things got complicated. Unfortunately, Leo came home and got ill about two weeks following. What was initially thought to be linked to gastroenterology issues wound up to be upper respiratory and he ended up having to be seen several times within a two month period. Needless to say, Healthy Paws denied his claims for pre-existing conditions.

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.

Submitted claim for benign mass removal from my dog's head. Followed the directions making sure the vet's invoice matched what I submitted and was reimbursed within 2 weeks! Easy peasy lemon squeezy! Feels good knowing that when issues like this come up we are covered.

Wellness claim for puppy shots was still pending after 2 weeks - asking for medical records they already had. Not worth the trouble. The one good thing I can say about them is that their customer service representatives on the phone are excellent - very friendly and professional.

I am so thankful for the peace of mind I get from Embrace! They have been amazing with my Sweet Begonia. She is a beautiful healthy three year old xoloitzcuintli and it did not break me financially when she developed kidney disease that required a kidney biopsy and is now managed thru medication. Embrace handles every claim with efficiency and the money is always back in my account so quickly. If I ever need help or have questions about a claim, the Embracers are wonderful, caring and effective. I will never own another animal without pet insurance. She recently had an intestinal issue and the claims were paid and the money was in my account before the vet bill charge could go from pending to actual in my bank account. It has been a comfort to know I could care for my sweet dog without having to worry about the financial aspect of it all. Thank you Embrace.

We have been with Embrace since 2010 and I am beyond SO ETERNALLY grateful for this amazing company and family! Without them, I’d never have be able to afford to give my 4lb tea cup yorkie (little angel in a doggy body) an amazing life that every pet and animal deserve. When I got 8 week old Bella my mom told me to get pet insurance. Hands down, Embrace seemed like the best across the board. They were clear on their annual cap and reimbursement percentage per claim so that’s who I went with. I would have never expected to need to them as soon as I did when Bella was viciously attacked at just 3 months old.

I have had several insurance policies for my pets and they have been a nightmare. I switched to Embrace in 2020 and to be honest, they have been a pleasure to work with. Their staff is super nice, their phone app is fantastic and I never have had an issue with them. Keep up the good job guys! You put other insurance companies to shame.