Embrace Pet Insurance Reviews

All of my claims were handled quickly and efficiently. There was not a single question on coverage. Minus the deductible (and minor items not covered) the full 80% payment was in my hands within 10 business days. Having insurance for our dear Loki made the decisions we made NOT about money but about the best care for him.

I've been with Embrace for over 5 years. Communication is wonderful, Web Portal is simple and easy to use and understand. They are professional and quick to respond to their email. Claims are completed in a timely manner. Overall Embrace is Awesome and highly recommend them to all pet lovers.

I would HIGHLY recommend Embrace Pet Insurance to anyone looking. I've been with 2 other Pet Insurance plans and thought I had the best there was. Boy was I wrong. I am paying 1/2 the price that I've paid with the others for my 7 year old boy. I was sooo flabbergasted by their rates, after signing up I had to call to make sure I wasn't missing something. They offer all that I had and MORE. People are friendly, helpful and knowledgeable. I HIGHLY RECOMMEND EMBRACE PET INSURANCE (10*) 10 STARS.

Because Embrace no longer gives online details about claims payments (without logging onto my account!) I was forced to call you for this information. The representative kindly went over my claims information with me. I can’t be the only older client you have who HATES logging in with a password!!! Can you consider going back to your previous wording on claims information: “has been paid with $00.00”?! Thanks, Connie **

Our current company raised their prices, extremely. We searched out several companies but our Embrace agent Ian was awesome. Over the next 30 days he was extremely helpful and proved to us that this was the best match for us. He was patient, professional, and honest. We are new so I can only tell you this part of the process was successful due to our agent. Great job!!!

I although I already carry pet insurance for my older pet, I got a new pup and I just found out USAA partnered for pet insurance. Having the reputation USAA has I am very comfortable going with Embrace

My 3 year old dachshund was acting a little oddly and we took her to the veterinarian. She was given medication. That night my pup starting having seizures and we rushed her to the emergency veterinarian. Sadly they were able to save my Zoe. When I called Embrace Insurance with bills and a question on how to submit them agent Brenna ** was very helpful and compassionate to my sorry. She was kind and sympathetic. Not only did she help with the bills which were fully covered, she refunded the remaining days on that months premium. And sent a very nice card. I will certainly continue my insurance with my other dog and when it is time and we get a new pet I'll add her to the insurance plan.

My vet recommended me Embrace and he is right! Embrace explained and discussed with me all the pertinent information I should know. They even prepared all information about my 3 cats. I informed me about my refunds and I got them on time. People in Embrace are professionals, helpful respectful and easy to contact/get in touch with..

Paid 3 years for this service for 2 dogs. Finally made a claim and it was not approved based on the fine print stating I need to have an initial screening. Yet they allowed me to continue to pay for this unethical service for 3 years. Obviously my dogs are healthy since I have never made a claim the entire time I paid for this service. Straight unethical weasels.

Signing up for Embrace over other options years ago is a great regret. The main issue so far has been the denial of a bunch of expenses because they were submitted (by the hospital, not my control) "too long" after a policy we've had for years has renewed. There is no logical reason for this. She's had continuous coverage for years. It was just an arbitrary cutoff based on when the policy renews for the year. We're not back at it as I've just discovered they will now be checking for any preexisting condition issues after allowing me to pay for years for my other dog.

Sham... Stay away. I would've expected better from USAA. Any excuse not to payout!!! I canceled my policy. They conflated Cushing's disease in my doggy as a preexisting disease due to the hepatic panel showing high enzymes 2-years prior - in which my doggy was treated. Cushing's is a kidney/adrenal gland issue...not (hepatic) fatty liver...as liver issues come later with the onset of Cushing's. That said, there were no indications/symptoms of Cushing's in my doggy prior to the policy nor in the in-between vet visits at Banfield over the last 8yrs...hence the emergency visit. Well...buyer beware.

I have Embrace Pet Insurance since May 2019 for our puppy. It saves us a lot of money out of pocket expenses especially the first year of a puppy. Filing claims is so easy. I tried to use the app, on the go. Especially you don't have to download a claim form every time. I like the great customer service. The company sends email updates @ claim status etc.. My dog is 2 years old now. I will keep this insurance for her.

My faith in Embrace has been re-established! Thank you Embrace for overturning your decision on the pre-existing conditions. I had to reach out to multiple vets and have them clarify what was in the notes but in the end I am happy that my doggies medical needs will be taken care of. I still think this pet insurance company makes it very difficult if your pet has gone to the vet prior to coverage for anything, I don't know if others are the same but my hope is that what is considered a pre-existing condition isn't the same across the board. I have revised my star-rating from 1 to 4 stars, I would have liked to give 5 but all of the hoops I had to jump through made me dizzy.

While I have given Pet Embrace 5 STARS IN THE PAST, I only had experience processing claims with their wellness claims. Now that I am over 1 year into the medical plan and am hitting a brick wall getting a medical claim paid because of Pet Embrace’s own incompetence and I am at their mercy to resolve it. HERE’S THE ISSUE:

Apparently something internal happened to connect my current policy to my new one. Embrace found it and proactively reached out to me with a solution already prepared. Customer service was 13/10, easy.

Our cat ingested some lilies and had to be treated in the hospital for lily toxicity for multiple days. We submitted our claim to Embrace on the app, and we had received approval and a check in the mail within two weeks. The process could not have been easier, and we were impressed with every step. We have recommended Embrace to all of our friend and family with pets.

Agent called me minutes after I submitted a quote request, she went over all the terms clearly, and she was very sweet and friendly. She even went over scenarios so I could better understand how the coverage works. I am very happy to have this peace of mind for my cat because of his senior age. I am surprising my roommate by signing her cats up for the policy, and I'm excited for how happy she'll be to also have coverage. We are going to split the costs. Great job, Embrace!

I work with Stephanie with questions regarding my a.k.a. American Bulldog. After working with several other insurance companies and trying to get answers. I believe that Stephanie was easiest wanted to talk to regarding getting me the best plan that I was looking for. In regards to other companies the plan was the same or better at a cheaper monthly rate. Saint D.O.G thank you❤️.

Not only has my policy paid for itself, I have received above average customer service every time that I have called. Employees are knowledgeable, helpful, and patient. I have highly recommended this company to all of my pet parent friends.

We absolutely love Embrace Pet Insurance!!! They are always friendly, very competent, and so helpful!! We have had 3 dogs enrolled with Embrace. I always tell people to check out Embrace - it’s a great service and your pets deserve the best!

I've been using Embrace Pet insurance for more than 5 years for my now senior dog. While the premiums have gone up, the level of service and care has not diminished. Embrace has covered all of my claims thus far, and there have been a lot. They are always helpful on the phone and claims are processed quickly.

USAA offered your product to us, members. I had been fetching pet insurance but all quotes seemed pretty pricy until I came across Embrace. Great coverage for my money. Comfortable payments that fit my tight budget. I called for the first time today and got world-class customer service!

Would you be surprised if you broke left arm and your medical insurance didn't cover it because you'd previously broken your right arm? Unrelated, right? That's exactly what Embrace did for orthopedic coverage for our dog. A previously repaired *injury* disqualifies our dog for coverage for the same or similar injuries in the other legs, despite a clean orthopedic exam by our veterinarian. Just another brazen attempt to collect premiums without ever having to pay out claims. Shameful.

I was concerned because my bill had almost doubled since I first started, so I called to find out why since I hadn’t ever had a claim. I am on a fixed income and several other things have increased also making it impossible to live almost. Kelsey at Embrace Pet insurance offered me options so that I could keep it but lower the monthly payment that I could live with. They were very personal and accommodating. And I would recommend them to another pet parent.

You hope that you never need to file a insurance claim since your Pet’s health is in jeopardy but when our unfortunate day came, Embrace Insurance came to our financial rescue. Thank you for providing an extra easy process to file a claim and then reimburse us our designated amount so quickly. I will never regret making this monthly premium payment knowing you are so dependable when processing a claim.

My experience with your company was terrible. All the people I spoke with were very pleasant. My vet recommended me not to take insurance on a 9 1/2 year old labradoodle, my dog is turning 11 in 2 weeks, but my husband wanted to be sure if she broke anything she would be covered. After a month of going back and forth with the insurance and the vet, a month before my dog needed to get a mass removed from her back... I finally got a list of her pre existing issues. There was everything on it except digestive issues. So I called and asked why someone did not call me to explain all of this. But every time you call they say you can’t be quoted on the phone. So basically they told me only digestive issues would be covered.

It’s very heartbreaking that Embrace denies a lot of claims when I’ve had a policy for many many many years and paid premiums to your company as a member. The lack of empathy for those affected by Covid-19 sheds a dark light on Embrace that the company cares more about profits than caring about the relationships and compassion with its long time members.

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.

When my pet got attacked by a wolf and had to stay overnight at the pet emergency room I knew I was in good hands with Embrace Pet Insurance. They took good care of me and our refund was truly blessing. Embrace ensures you're getting the best coverage with their rates and plans to ensure your family pet is taken care of. I'm truly glad I have Embrace pet insurance because just like kids our pets are part of our family and they need care as well besides shots and haircuts so if you or any friends need a reliable, trustworthy, affordable pet insurance Embrace is the place to go to and you will be relieved once you speak to them.

Alternate therapies for hip dysplasia is only covered for 12 weeks. I guess my dog will be cured by that time. She's having a stem cell procedure, so fingers crossed that it fixes her hip dysplasia for the rest of her life!

My experience with Embrace has been excellent. Their staff has been very empathetic about my poodle's medical problem, and evaluating his records properly for insurance coverage. Overall I rate them a 10.

I was going through a lot because I wasn't sure if my little buddy was going make it. Being an older dog, Ranger was not doing well due to an unknown spine injury. Embraced made dealing with the payments seamless during the ordeal. Ranger is doing fine and I am glad I went with Embrace.

I have had Embrace insurance for my dog for years and have never had to use it until recently. The process to submit a claim was extremely easy and I received a check quickly. I would highly recommend Embrace, it is so worth it!

I have been an Embrace Parent for years and my experience is ALWAYS excellent. Embracers know their jobs and correct information and are always compassionate and understanding. Thank you EMRACE!

The customer service is outstanding, the representatives really care about your pets. The prices and packages available are great and really flexible. I highly recommend this company for protection of your furry family members.

When my 4 year old cat got diagnosed with asthma, I didn’t hesitate to take him to the ER to get treated knowing that I have pet insurance. Because we didn’t wait too long, his condition was mild and was able to go home that day. Filing a claim on the App is easy, and hassle free. After linking my bank account, I also got the refund within days. This insurance is helping me focus on my pet, and not on finances, and is helping me be less stressed because I know my pets are covered.

Our 13 yr old Yorkie developed a very large mass the left side of his face & neck. He underwent multiple surgeries to finally get to the root cause. There were multiple charges for the surgeries, Dr visits, exams, lab work, pathology reviews & every bill I sent to Embrace was paid just like the policy stated. In addition dealing with Embrace, their reps, was almost always very helpful.

Embrace has gone downhill over the past year. My dog was insured at 2 months when I brought him home. He had his initial visit and had their orthopedic waiver completed. 10 months later he developed a luxating patella and had surgery. Embrace first delayed my claim by saying they reached out to my vets office for records when my vets office says otherwise. Embrace did not notify me of the delay, I noticed when I happened to check his account over a week later. I made sure they got the records and now I'm told it's a 30 business day wait to review.

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!!

My first claim with Embrace involved two connected doctor's visits, one with the vet and then a vet specialist. Submitting two claims from two different doctors was a small challenge for me but Embrace did their part efficiently and expeditiously. I would recommend Embrace without hesitation.

Anytime I have a question regarding my pet insurance I get to talk to a real person who is genuine about my concerns. I've been lucky to have 90% of my claims reimbursed as well. I truly feel everyone should have pet insurance and specifically Embrace due to not being limited on where your pet can receive care!

I was a bit nervous after reading reviews online but the claim submission process was easy and fast. It was a slight annoyance to have to have the veterinarian complete forms but the claim review and approval was fast. No negotiation back and forth on what was or wasn’t covered. So grateful for the coverage and the excellent service.

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.

We had several questions about some claims we were submitting. Customer support was very friendly and helpful. Once our claims were submitted they were processed very quickly. Our whole experience has been fairly effortless and we feel like we are in great hands.

Joe is personable, great attention-to-details, knowledgeable of product differentiation, and truthful and honest regarding coverages. He developed and enjoying policy-making event painless and parental-satisfying knowing my two kids (Nyjah and Noble) (DDR German Shepherds) (a third later) are fully protected. Executive perception, Joe is a valued member of his Embrace team and the face of the company. His style and presentation is above reproach. I look forward to working with the next Embrace member post the birth of my next daughter Nysia. Have a blessed day day. Airborne!

After getting a new puppy in February 2020 we decided to purchase pet insurance. We decided on Embrace because what we thought were good reviews. After waiting the required 30 days and getting our dog all the required shots and health checks everything seemed to be going well. On 2/4/21 we noticed her scratching her ears and took her in to her vet for evaluation. They advised she had a slight ear infection and gave her the prescribed antibiotics. She returned on 2/18/21 for a follow up. These invoices were sent to Embrace immediately. After many back and forth emails requesting information on the status (they advised they were awaiting information from her vet which was sent to them early March) they advised on 3/25/21 that the claims were denied because of "pre existing conditions".

Everyone at Embrace has been fantastic and helpful through the process of Winston's surgery-both pre and post-op. The pre-certification was completed and approved once his records were received from the vet and payments have been prompt for reimbursement. I cannot thank Embrace enough, along with my wonderful Vet and her staff for the peace of mind during this whole procedure and keeping my baby safe and back on the road to recovery. He is doing fantastic and healing well, with an expected full recovery. Below are some images right after the surgery and then a week later. I tell everyone about Embrace and the excellent services they offer and that I have received.

I've had dogs my entire life and used about 4-5 different companies. Embrace is by far the best and easiest to deal with. I won't be changing companies anytime soon...hopefully ever. I get a discount for having 2 dogs insured.

Through my dog’s illness, Embrace was right there by my side, helping me to file claims, expediting the claim process, and the reimbursement was always explained and accurate. When my dog passed and I called to notify Embrace of his death, Brian was so thoughtful and respectful. He said more than one time that he was sorry for my loss. I would recommend Embrace to anyone.

On January 5th my 8 year old dog George had a growth removed from his mouth. Within a couple weeks we had a devastating diagnosis. Amelanotic Melanoma. We consulted with an oncologist. Prognosis poor. His only chance to survive was the Oncept vaccine that has been shown to keep dogs in remission. It is costly and not guaranteed. We started the process and finished his therapy a couple weeks ago. Embrace has covered every visit, test, and treatment. Embrace has been wonderful and I can't say enough about the importance of having insurance!!! George's xrays are still clear and he is healthy and happy. He will continue to receive boosters every few months and we pray he stays in remission. Thank you Embrace!!!

Agent was very knowledgeable and made sensible recommendations. I was unaware of the relationship with USAA until the agent mentioned it. I have two puppies, just weeks old and this policy was thorough and the best price.

I have had computer issues since beginning the policy for my dog, Gracie. I hadn't received my policy due to these issues and therefore wasn't clear on time frames. I called today and much to my embarrassment, was told I had submitted a form with a date of visit earlier than the date I had first taken out the policy. The Rep was very kind and we had a good laugh. Thanks!

I cannot recommend Embrace Insurance highly enough to Pet Parents out there!!! The customer service is genuine, Compassionate, and consistent. The coverage options for accident and illness are amazing and I love the wellness program they offer! The submission of claims has been seamless and my vet submits to Embrace online like my own doctor does for me with my health insurance- it is awesome! I have received reimbursement already- very timely. SO impressed! Finally a pet insurance that provides a real life solution and personable support. Thank you!

Embrace will increase your premium around 64% more in 5 days if you had chosen mix breed during your enrollment for your pure breed mix regardless if the health records you submitted to them indicating your puppy is a pure breed mix. (Pls choose your breed carefully.) They requested lots of health records during enrollment but they don't review your records until your first claim. Review process was very slow. They are expensive comparing to many other pet insurance.

I have had dogs insured since 2013. Ironically, my pup broke her leg in 2 places in her first year with us. Embrace was right there to help out. Very reliable and never left me or my pets out in the cold!

Due to a death in the family and subsequent travel and funeral costs, I needed to extend my due date for the premium on my policy because I needed to save on some expenses anywhere I could. I asked for a few days from the Monday it was due until Friday of the same week. They advised me of how my account was less than 6 months old and therefore, they couldn't do anything to help me but, to transfer me to the cancellation department to cancel my policy entirely. It makes more sense to them to lose you to PAWP than work with you to retain your ongoing premiums for years to come. With such a solid business model, It's no wonder why they are the #4 pet insurance provider in the country.

Non-chronic pre-existing conditions require year long waiting period before they will be covered. That's somewhat reasonable. Here is the unreasonable part: it resets for a whole year if the condition occurs. Simple things like diarrhea, pink eye, vomiting. These are things that can have many causes. But if my dog is treated for any of these within a year of the occurrences the predated the policy, I have to wait another whole year. This is a bad value.

When I got a new puppy I knew I wanted to get Pet Insurance. I am so glad I chose Embrace. They processed my claims quickly and are always so nice and helpful when I have any questions. I recommend Embrace Pet Insurance to anyone looking to Insure their pet(s).

This is a terrific company to deal with!! My 12-year-old cat recently had a major health issue, was a bit costly to treat, and Embrace insurance is covering it!! I also like the Wellness plan, it has helped my cat, who is 12 years old, to maintain good health by regular vet visits. And the reps who help you are friendly and top-notch. Thanks, Embrace!!

I've had Embrace insurance for my kitties for 7+ years. Never had a bad experience. Excellent coverage, reasonably priced, transparent policies. Processing of the claims and reimbursements are quick. Very friendly customer service. I would highly recommend it to all pet parents.

Having Embrace is literally a life saver. One of our dogs went in for emergency surgery a couple of weeks ago and knowing that Embrace would help cover a large portion of the expenses made the process a little less scary. I’m happy to say our boy is doing well! Thanks, Embrace!

I am very happy with the time it took to process my claim. It was a quick, painless process and I'm so glad I chose Embrace when shopping for pet insurance for my new puppy. I did not have pet insurance for my previous dog and regretted it when she got very ill and treatments were cost prohibitive. I appreciate their timeliness and Embrace was very responsive.

I have had Embrace on 4 dogs ages 3-10 for over a year. I had a claim for UTI and ear infection on 1 dog. Neither of these were covered based on their findings that he had IBD and a back injury over 4 years prior to his coverage starting. I had exams including ortho report card to get his coverage started and even with no claims for over a year he was still denied. This insurance is a joke. I had Nationwide on dogs for over 15yrs with no problems. I am sorry I switched.

Claims are easy to file and handled promptly. Contract provisions are honored. We have had our Annie covered since we got her as a puppy. We have just added our second dog Rosie for coverage. Without Embrace we could not have afforded treatment for Annie which has given us a longer time with her and given our new puppy a chance to get trained by Annie.

I called today with a question about a recent claim. Xena, the Embrace Representative, was very friendly and helpful. I am a long-time Embracer, and have always received incredible customer service. Also, my claims are fairly and promptly processed. Don’t have one complaint in all these years! I’ve recommended Embrace to many pet parents through the years! Bravo!

Ian offered an excellent customer service, he went over and beyond. I called him over the weekend and he returned my call immediately, answered my questions in a happy and welcome way. He is an asset to Embrace!!!! Extremely happy with service.

I switched to Embrace and my pugs had pre-existing conditions but they reviewed and said some of her conditions were able to be covered. They really do look at the claims twice to make sure a condition might be reconsidered.

Claims department was excellent and listened to our issues! They even review the correct amount that our invoice should’ve been on our invoice that the vet failed to provide! They have a great detail about this type of situation! Superb!!! Warm and friendly staff!!! Love it!!!

I have been an Embrace pet parent for 5 years. Their rates are excellent and they process claims quickly. I recently had to put my boy down (old age). They were compassionate and worked with me to pay the claim and update the policy. I will be an Embrace pet parent for life.

Upon calling Embrace pet insurance about my recent claim for my sick doggie Mishka, I was immediately greeted with care and compassion and my concerns were quickly addressed. I left our conversation feeling like everything is going to be ok now. And my Mishka is feeling a lot better now, it’s good to know Embrace is there for me when I need them. This was an emergency, Mishka could’ve died. Thanks Embrace!

You don't have to get this when they are puppies, but it was so affordable, it was comforting knowing I had it in case of an accident or issue. Then he was healthy for 4 years. Recently he had complications from a surgery to remove a benign fatty lump. It was so easy to submit my claims online (just submitted the invoices) and I was reimbursed. I've never met the deductible before, so this was the first time I submitted a claim. Also, I've had to change debit cars twice, and they helped me do that as well. Customer service is so kind and caring. Finally, I am veterinarian (but I currently don't work or own a practice) so I really knew how to do my research and pick my company based on my customers' experiences at the time. No looking back, this company is great from head to toe. I got a high deductible to cover something dramatic, and when something dramatic did unfortunately occur, they were there for me.

You get a nice sales pitch that they cater to USAA members, only to be treated completely opposite. NOT ONE OF MY CLAIMS IN 6 MONTHS WAS PAID FOR. Better off with TRUPANION, they treat EVERYONE well and they pay claims. WORST PET INSURANCE!! Avoid at all costs!!

I filed my first claims on Jan. 29, 2021...This is the first time I have ever used pet insurance and filed a claim. I did everything online and it was so quick and easy! I scanned all the support documents and sent everything into Embrace...Within a day I was notified my claims were received...and I received claims payments just a couple of days later!! It was all very easy and very quick!! I will let all my friends know what a truly wonderful experience this has been...Thank you.

I've done business with Embrace since 2006 when I adopted my rescue dog. What I liked most was the quality of the people with whom I interacted over the years. No scripts, no run-around, and always professional. Top notch!

When my dog Marley needed insurance, we used Embrace and were pleasantly surprised when they covered his chemotherapy. That gave us 7 months with him that we wouldn’t have had. Marley made it to our wedding, when the prognosis for survival was grim. We were so grateful! When we got our puppy we knew we would be using Embrace again. Even when we shopped around for the best price, embrace beat the competition.

Hs I finally got the so called list of conditions - conveniently long after my eligibility for a refund. This "list" mind you exists nowhere but online. It is not part of your policy declaration, nor is it anywhere in writing. WHY? So EMBRACE can have that be an ever changing fluid list. What they proudly claim to be the ability to have "temporary" conditions which may be removed from the "list", actually will only be perpetually moved forward by date and they will never expire. Every word I have read of these 1-4 ratings is 100% true and I am suspicious the positive ones were written by EMBRACE employees or those people must be special in some way. My own daughter has an EMBRACE policy and gets the same treatment I do.

This is the first year I've actually put in a claim - I have a $1,000 deductible and my dog has been pretty healthy... This year though, his 13th, we've had a few problems and it has been a bit expensive. Embrace has processed the claims in a very short amount of time and issued checks as the claims were completed. I'm so grateful to have insurance and the reimbursements really help now that I'm retired and on a fixed income! Thanks Embrace!

It seems like I have the same experience with this insurance like a lot of people here. I purchase this insurance for my cat, this is the first time that I purchase a pet insurance and I chose Embrace because I read very good reviews about it. They said that there was a waiting period of 14 days, and for me it was ok because my cat has been always healthy. On December 27, 2 days after the waiting period ended, my cat became very sick, and I thought that he was going to die. I took him to an 24 hour animal hospital, and after some exams, they didn’t find any serious condition. They prescribed some medication and I took him home. Thank God my cat recovered after some days. Until now I still don't know what made him so sick.

This company is horrible! They claim to "We care more so you can worry less".... That is complete crap! I had submitted claims for both of my dogs and I have never had to fight more to get a resolution! After fighting for months my one puppy's claim was "partially covered" because she had pre-existing conditions! The pre-existing condition was she was a puppy (6 months old) and vomited due to eating too quickly! So when I submitted a claim because my puppy accidentally got hold of a bag of chlorine and had ingested some, naturally she vomited! Now this company claims they won't cover the claim fully due to she has vomited once before! Then if that wasn't enough my second dog who was about 8 years old unfortunately and unexpectedly had to be put down due to a splenic mass that had her internally bleeding and according to my vet only a 10% chance of surviving an operation to remove it, if she even made it into surgery!

So far everything has been really easy to submit through the phone app or online. Only had one issue and that was with a receipt from Chewy.com. I wasn't able to get that reimbursed. Other than that one, everything was easy.

I have to fight for almost every submitted claim. I am EXTREMELY lucky my veterinarian has a claim specialist in their practice to assist with this. The initial response is always the same from Embrace and robotic about why they are denying coverage. It’s nice when they do eventual cover but it takes too much effort. Certain things aren’t covered, like basic wellend, you need a separate plan. They also raised my monthly plan cost at the one year mark without informing me. They know you’re stuck so they can do whatever they want. This is my first experience with pet insurance, not sure I would ever get it again.

Our cat had severe gastritis on Thanksgiving and was vomiting every thirty minutes to an hour for twelve hours. We had to take her to the animal hospital where she was treated. Since it was our first claim, Embrace requested her medical history which my vet submitted immediately. I confirmed with Embrace that it was received immediately. It is now January 7th and Embrace has still not processed the claim. Had I known they would would sit on claims for months and provide near non-existent customer service (I receive the same standard, generic email every time I question the status), I would’ve chosen a better provider. I also recently received notice that our premium will be going up significantly for the next year, which I assume is in response to the fact that we filed a claim, even though they have not paid the claim.

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.

I purchased Embrace for my puppy. The day of enrollment is off by 1 day which I believe is a clerical error so now they will not cover any issues related to urine related health issues they deem that pre existing. I don’t it doesn’t make sense that I would purchase the policy and bring the puppy on the same day. When my other dog broke his hind leg due to cancer they said it was orthopedic, therefore NOT Covered, I put him to sleep regardless a 260 pound dog whose rear paw breaks from a cancerous tumor that I had no idea was there. Cannot live a good life on 3 legs and would have passed from the cancer within 3 months. Don’t recommend. Now I am stuck with a company that doesn’t pay. Also their deductible is not prorated. I paid 1,000 deductible for 6 months. When purchasing the policy I asked for 2 separate policies for each dog they said NO. Everyone raves about Nationwide. I should have went with them.

Embrace were exactly what I needed when I needed them. My Dane ran into the side of a moving car, suffering two collapsed lungs, and a broken right front leg in the process. He spent a week in the hospital before even having his leg surgically repaired. My policy with Embrace saved me from having to make a very painful decision about how much care (and expense) might be reasonable. The ordeal was still quite expensive, of course, but would have been much more so without Embrace, who settled and paid my claim very quickly, efficiently, and compassionately. Thank you.

My husband and I were skeptical about pet insurance but Embrace has erased all of our doubts. Our claims have been processed quickly and with absolutely no unexpected explanations or concerns. We could not be happier with our decision to insure our two Schnauzers with Embrace Pet Insurance.

I've had Embrace since I adopted my dog almost two years ago and it has been incredible. It is an easy to use platform that makes buying and renewing policies, processing claims and talking with a member of the team extremely easy. They are quick to process claims and do any and all back end analysis with the veterinarian so you don't have to worry about it. I tell all my friends that are dog owners to buy pet insurance, specifically Embrace. Highly Recommend 10 out of 10.

I am so thankful for everything they did to extend the well being and care of my German Shepherd with my Vet. It was a much needed extra 2 months that I was not ready to leave without giving her a fighting chance. The compassion and effort that this insurance company shows are boundless. Coupled with the services the quality of care and expertise is extremely high. My pup will be missed but this group will care for mine in the future. I am very thankful for them. They offered so much support, paid claims quickly, and ended the policy early with a refund after my pet's life. While not everything can be covered due to pre-existing conditions, they are so helpful with working with you even when I got this policy for an adopted dog who was 8 years old.

When a pet is hit with tragedy and must undergo invasive procedures it is comforting to know that Embrace Insurance is there to relieve the pet owners financial hardships!!...Embrace was there for 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.

I am so very grateful for having Embrace Pet Insurance as a vital part of my precious pets healthcare team. I have had my miniature Dachshunds Insurance with Embrace for over a year and a half. Sadly, she has had some challenging GI issues for some time. When submitting a claim for my Mendy, I do so with complete confidence that it will be handled fairly and promptly. The customer service representatives are kind, caring compassionate pet owners that patiently listen to my questions and address them professionally. I highly recommend Embrace Pet Insurance for anyone looking for pet insurance for their beloved pet. I am so happy they were rescinded to me as well.

I used in brace before and they were amazing and very quick to get whatever coverage money back to me in less than a week. I am now able to afford to get Embrace insurance for my dogs because it’s definitely a necessity and I highly recommend it! Haha.

We've had Embrace insurance for years without having to make any claim. Our dog Lars recently was diagnosed as diabetic and Embrace had lowered our deductible for each year we had not made a claim. After meeting the lowered deductible when we submitted our first and subsequent claims for his diabetic diagnosis and insulin requirements Embrace has paid the full 80% of each claim promptly with no problems. We are exceptionally glad we've purchased the insurance and feel the numerous years we paid for it without making any claim were well worth it now that our Lars has run into health problems. Highly recommend anyone getting a dog or cat get a policy with Embrace immediately.

Our French Bulldog recently needed surgery and I submitted my claims and a week later they had settled it. I highly recommend this insurance company! It’s hard enough when your fur baby is in distress and not having hassle with a bad insurance company makes a difference.

I put numerous claims in My pup 26 months. MONTHS very HEALTHY. Got from one most reputable breeders in Ga. Embrace finds a way not to reimburse their customers. Horrible. Do not recommended them. Seeking another pet care provider.

I have been VERY impressed by Embrace's top notch customer service. Every single person I spoke to was extremely knowledgeable and very helpful. When it came to do a review for pre-existing conditions for my rescue, Marco ** was very detailed and answered all of my questions via email and over the phone. I am so happy I decided to go with Embrace.

We have insured our beloved Lab, Ellie, with Embrace for over nine years. We have had nothing but great service and the Embracers seem to be genuinely concerned for Ellie's health and wellness. I would recommend Embrace to any pet parents. The level of coverage and care is excellent, well worth the expense to be able to get treatment without worrying about cost.

As of today, 4 weeks later, they finally approved my claim, after my vet completed a questionnaire to validate that all prior exams were normal, no pre-existing conditions. I need to know how to avoid this in the future, will I have to go through this if my other dog has an accident? Either way, I’m glad it’s done for now, I’ll continue to be a customer.

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...

I had to have three cutaneous mast cell tumors removed from my dog. Within two weeks of submitting my claim my reimbursement was deposited into my bank account and without any hassle. Very helpful staff as well.

My Great Dane, Cupcake was healthy for the first three years of his life, then he developed an autoimmune disease, and also Lymes disease. He receives ongoing veterinary care and his bills are high. Embrace has ALWAYS come through. Never refused to pay a claim, and all claims are promptly paid. I can't say enough good things about this company, and am very grateful.

At the time of application, the company reviewed vet notes for previous 12 months. Those notes reflected one instance of vomiting and two instances of abnormal lab results. The only definitive diagnosis of a specific illness was a possible urinary tract infection. The company implicitly advised it would not cover any future illness that occurred within 12 months of the above findings if any of those findings reappeared in the future, unless it was proven the finding was unrelated to the new illness. It appeared to me that if my pet vomited again within 12 months and if that turned out to be a symptom of any illness whatsoever, there would be no coverage. My conclusion was that the company would be providing accident insurance only -- no illness coverage.

If I could give negative stars I would. This entire company is a joke. Typical insurance company that will do whatever it can to deny the claim. Even it means not following a previous appeal that was won. DO NOT do business with this company, you will 100% regret it when it comes time to use the insurance. Like another reviewer said, Embrace will place pre-existing conditions on your pet for ANYTHING you may have told your vet or any vet even if the notes are not verified by an exam or have been proven to be false and inaccurate by another vet. I have recorded phone calls of them telling me one thing and then when I ask about it am told, "Oh well sorry, you should not have been told that, they were incorrect." Integrity at its best here folks. STAY FAR AWAY FROM THIS COMPANY, PLEASE! Regardless of what comments they attempt to put here to justify their action.

When your otherwise healthy 13-year old pup has a small lump, you need to know, what is it, has it spread, and what can we treat it? I was so happy I’d made the decision to have Brownie insured, because I was able to get all the answers and treatment without worrying about cost. Filing the claim was easy, and payment prompt. Brownie is doing well. Thank you.

After losing our 17 year old uninsured dachshund, I decided to enroll my healthy nine year old golden doodle in Embrace. A year and a half later she had a frightening event which cost over $6000. I would have paid that out of pocket as she is a treasured member of our family; luckily with Embrace I did not have to. Filing a claim could not have been easier, and I was reimbursed rather quickly. I HIGHLY recommend this company if you are going to insure your pet.

Our cat recently injured her paw from a jump off the bed. We took her to our vet and they did x rays and decided it was a sprain. The vet bill was over $300.00. We were reimbursed some of that expense from Embrace. Embrace was quick and easy to use.

After our dog tore his ACL and we paid nearly $7,000 they denied our claim because over 2 years ago a veterinarian put in their notes that he COULD have Crepitus in one of his legs. He had been fine never had an issue passed his orthopedic report card in early 2019. Suddenly he tore his ACL 6 weeks ago and we had the surgery done. Now they refuse to cover it.

Claim for Knee Surgery. Honestly wish that personal health insurance was even 10% as simple as Embrace. Surgery was on Wednesday, check was processed the following Monday and was exactly what I expected. No fighting and no games. Outstanding experience.

Kermit lost his strength in his back leg this morning and was either wobbling or fell over. An ER visit and two pain medications later I had a diagnosis’ and was able to consider Hydrotherapy, Laser Therapy, Hip Dysplasia Surgery or Back Surgery.

Amazing customer service and quick turn around receiving claims check. Extremely easy sign up and claims process! Unfortunately my dog passed away recently but it was nice to receive a handwritten letter signed by multiple employees with their condolences. Due to this insurance I was able to enjoy extra time with my pup. Embrace goes above and beyond to show they truly care about us and our pets! Highly recommend to anyone that needs pet insurance!!

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!

as insured. I think both of these exclusions are not consistent with a reputable insurance company. I am a Attorney, I deal with insurance companies daily. I am very disappointed.

I recently filed a valid insurance claim in Nov 2019, the payment was finally received in Jan 2020, which in my opinion was a long time to wait. Once reimbursement was authorized, it seems like I receive some type of correspondence regularly threatening to either cancel or reduce covering along with random reasons to increase my premium. I expect better customer service with less bitterness about paying a valid claim. Thank you for allowing me to voice my concerns.

A quick note of thanks to all concerned with the recent loss of our pet. The kind words and prompt, personal service made dealing with our loss more bearable. You all went above and beyond and we just can't express what it meant to us to receive the personal card and notes from your company. Thank you for all you did and will do for us in the future. We look forward to working with Embrace when it is time for us to get another pet.

This company is across the board good. Last year one of my dogs had a brain tumor removed and the other had pneumonia with hospitalization. Very easy and simple (Like, “are you kidding me?!”) claims process. Also used several years ago for a leg laceration and jaw fracture (she ran into closed patio door. Use emblems folks! Lesson learned). Polite staff. Without hesitation I have my puppy insured by them. Very worthy of mention.

Four legged family members deserve the best too. We were very reluctant to move into pet insurance due to the cost - We've actually had some bumps in the road but, so far this has been a blessing with Wellness and a very effective way to keep track of all your medication and pet care needs. We have 9 dogs and 1 cat - We have 5 on the plan and will likely be rotating in a few more that will make it later on. Would highly recommend this to everyone.

I purchased this catastrophic pet insurance back in December. In late February my poor little 6 year old puppy dog got a really bad autoimmune disease of her brain called Meningoencephalitis! The bill is way over $7,000 now. We have a $1,000 deductible and then the policy reimburses is 90%. AMAZING!!! Within 3 weeks we received over $5,000!!! We’re very impressed. They even have a feature where if you call and are put on hold you can opt to have them call you back and not lose your place in line! FANTASTIC!!! And everyone is so kind!!!

I find the claims submission to be fairly easy. I use the on-line form process. Embrace responded immediately to my Claim request. The Claim was reviewed and the payment was forwarded directly to my bank account within a week. I appreciate their prompt response to my request.

Kudos to DAN. He is a wonderful component of your Customer Care Team... knows the product inside and out, terrific personality and VERY patient. I am retired but was involved in Customer Service for 40+ years. I would hire him no questions asked!! THANK YOU, DAN!!!! P.S. I have periodically contacted Embrace via phone and chat and have NEVER been disappointed!!

After 2 hip replacements that run between $6,000 to $7,000 each over 2 years Insurance made our bill much more bearable. We paid a $500 copay on each dog and 20% over the 80%. Embrace reimbursed me in about 3 weeks.

Insurance coverage that covers what it says it will. We've been with Embrace for several years now. Just last year, our one dog needed knee surgery. We submitted our first claims and received a prompt refund. All the math worked out just as expected. No questions. No hassle. This year, our dog needed the second knee repaired. Again, we received our refund just as expected. For the cost, we would also suggest getting the wellness coverage so that your pet's medication costs are also reimbursable.

We recently submitted our first set of claims with Embrace insurance, and I have to say that I have no complaints. The app and the claims process are extremely simple and easy, and the claims were processed in well under a week (in a couple cases it only took a couple days). We only have this one experience to judge this system by, but I can honestly say I have no notes for improvement. A+.

My dog had extensive treatment at an emergency veterinary (VCA) facility, involving MRI, lab tests, treatment - fortunately the dog is doing well. I was extremely pleased with the professionalism and expediency in the manner my claim was handled.

Georgi 7month old Shichon required removal of baby teeth due to obstruction of permanent teeth properly coming out. Joey and staff were very helpful giving me the information necessary to process this claim. I was pleased and impressed with the professionalism and speed this claim was handled. Excellent service!

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.

My first dog got sick unexpectedly and I didn’t get insurance for him which made life hard financially and I’m still paying off debt. I decided to get these boy’s coverage. Embrace allows you to customize your coverage and feel like your fur babies are in good hands. Having this comfort means a lot!

This is now our second rescue Lab insured by Embrace. Because of the excellent coverage and customer service with our first one after a very expensive crisis which ended her life after 7 years, I signed up our second Lab immediately last April. We used our entire wellness account for the year recently and then passed our deductible with our most recent visit. So we received our 90 percent reimbursement in less than a week! I tell everyone how important it is to have pet insurance for peace of mind. It is a very reasonable price to pay to for the life of your pet.

I was given superb customer service. My dog’s claim was processed within 5 business days! Embrace Pet Insurance is the very best! All of the staff are totally qualified and ever so very helpful and informative!

When we took Chrissy to get neutered, the vet noticed a heart murmur on her. To be safe, they performed tests on her heart and sent them to the cardiologist to be examined. It turned out to be nothing serious and Chrissy was able to get neutered and had a seamless procedure. Embrace covered all of her heart tests and helped us to potentially catch something serious at an early stage.

I’ve had Embrace for more than a year now and I love it! It’s economical and they are super fast with claims! Will not switch for anything in this world! I pay extra for the Wellness plan but it’s so worth it!

These people were remarkably compassionate after the death of my cat, Lizzie. Moreover, they were more than helpful about obtaining information from my vet that I was having trouble getting. They acted better than companies for insuring humans.

We have had Embrace Pet Insurance for about 3 years now, and we had to file a claim for the first time in 2019. The process was quick, and painless. We really have only positive things to say about the efficiency of it all, as well as how quickly reimbursement was received. Thank you.

I have had Embrace Pet Insurance for several years for both of my dogs. I recommend this company to everyone. The folks at Embrace are professional, knowledgeable and extremely compassionate as they showed when my first dog passed away. I would never change to another company based on my experiences with Embrace. They’re amazing!

I've had my puppy, Sherlock, insured since he was 8 weeks old. I've been incredibly happy with the service and reimbursement. Embrace doesn't look for every little "out" to deny a claim. I also love the preventive care supplemental coverage as well. It allows me to keep Sherlock up to date with his heartworm and flea and tick preventives.

I should have listened to the experts who said you are far better off saving your money than paying for pet insurance. These people will find any reason to not pay a claim. After all most 3 months of screwing me around, they denied the claim for pre-existing conditions. How can a puncture to the eye which I can pinpoint the exact date and a timeframe within a few hours be pre-existing? Canceling my policy and hope you pocket your money for your pet bills because they will find any reason to deny your claim.

Hailey, our 8 year old chi chi developed an ear infection. This is her first health issue and we filed our very first claims for her treatment. I submitted everything online, it was quick and easy. I received our first claim payment in record time! Thanks Embrace!!

I recently had to submit 2 claims for one old my dogs after to separate surgeries. The ease with which this was handled was amazing! The vet filed the claims and within two weeks I was reimbursed with a full explanation of benefits! Highly recommend Embrace!

I’m a first time kitten mama and I’m so glad that I got Embrace insurance. I pay to cover things like prescriptions and preventative medications, so when I buy my kitten his flea and tick I get reimbursed. The claims process is SO simple and the review and payout happen very quickly. I also love the chat support feature. There have been a few times that my kitten has done something dumb or something happens where I just need the reassurance that it’s fine/normal. The chat support specialists are always so patient and very understanding which is greatly appreciated. Cannot recommend Embrace enough!

I’ve had my dog Krypto insured for over 5 years now and have never had an issue. Always fast and polite. Not having to worry about a huge out of pocket bill and being able to put his best interest first has been a huge relief! I’ll be insuring every pet from now on!

We have only had Embrace for about 6 months now but we truly love it. Sign up was easy and convenient as we scanned and uploaded everything into the website. Any reimbursement was quick and could be tracked easily. Any questions that could not be answered with an email were done with kindness and great customer service. Every chance I get I recommend them to our friends and family with pets.

Good service. Know what your policy covers and you will not be disappointed with the results. I've been using Embrace for a few years and will probably continue to do so as long as they don't price themselves out of my range.

Embrace has been an outstanding company to work with. I can rest easy that should anything happen to my furbaby, he's covered and having the wellness plan is phenomenal. I don't have to worry about making sure he gets his monthly medications and the turn-around time on claims is outstanding. Thank You Embrace.

My Boxer had gotten into something poisonous and needed emergency vet care on a Friday night. That following Monday I made a claim with Embrace, and I had been reimbursed by that Friday.... just one week!! Amazing turnaround time! For someone like me who lives paycheck to paycheck, the quick refund was a lifesaver!! I get great customer service every time I call, and I even received a very nice card last summer when I had to put one of my furkids down. I highly recommend Embrace to anyone looking into pet insurance!!

I've been with Embrace pet insurance for a while and this is the first time I've had to submit multiple claims for my pet. The process is so easy, especially since I can upload pictures of the documents using the app on my phone. When I had a question about my pet's policy and coverage, the Embrace customer service member was so friendly and helpful! I always recommend Embrace to my friends, family, and colleagues when they are looking for pet insurance.

Couldn't thank Embrace enough for their quick response in handling Nike's claim for knee surgery due to a meniscus tear. It was handled promptly and very professionally. I highly recommend Embrace Pet Insurance.

After spending $18,000 in Vet bills for my Bixby-boy kitty (yes, he recovered), I got pet insurance for my 3 kitties for a reasonable premium. There are several plans to choose depending on coverage needs. Of course as with any insurance, there is a deductible amount that you choose. I filed a claim on my Willie-boy for abcesses with the guidance from the help line and was promptly reimbursed after submitting receipts of vet service. Having Embrace Pet Insurance gives me peace of mind that I can take my kitties for Vet care without having to worry about the cost.

One simple word describes my experiences and the services provided by Embrace - Excellent. We got insurance for Harry, our cat, when he turned 14 four years ago. No other company would accept him, but luckily Embrace did. In the last year the standard issues of age caught up with Harry and with never a question Embrace has helped to cover his vet bills. The little guy would not being doing so well if it were not for Embrace. Our vet asked about Embrace and after we told her how wonderful they have been she said she will recommend them to her other clients.

I bet a couple instances where it wasn't just a simple submission of a claim. Instead of involved other things and my vet had to contact them to provide them information. I got a immediate results and Embrace has paid everything I've ever submitted to date. Great customer service!

I gave my new puppy the food he was not used to once, and he had diarrhea. I took him to the vet, checked the stool, with a good report, put him back on his normal food, and he is fine now. The insurance now makes me wait 12 months before any coverage can be made, in case he gets diarrhea again due to a real emergency. That is ridiculous and unfair.

I found Embrace to be very easy to understand. All my questions were answered as I enrolled my puppy for her insurance policy. The claims process is a breeze! I would recommend Embrace to any pet owner based on price and customer service excellence.

Thankfully I haven't had a major issue with my baby but have carried accident/injury coverage on him for 7+ years. I have never had an issue with them and all claims have been handled quickly and efficiently.

I have had one instance of needing to use my insurance for my otherwise very healthy cat. My policy renewal cost for this year was then raised by $150. I switched to another insurance, which has better coverage, and $250 cheaper than my Embrace policy - significantly less than my original policy. Thanks for making the decision to switch so easy. I will never recommend Embrace to anyone.

I decided to get my 14 years old cat a health insurance with Embrace pet insurance few years ago. Their insurance is very affordable, and their customer service does a fantastic job. So far haven't had an issue with claims that I submit. I usually get my reimbursement within the 2 weeks of submitting my claims!

Amazing service and reimbursement! When my rescue was recently hospitalized and extremely ill embrace was amazing! They spent time with me to go over the best way to submit a claim and it was processed in lightning speed! I was pleasantly surprised at the reimbursement. I’ve used another company years ago and had a horrible experience with very poor reimbursement. I can’t tell you how pleased I am with the service and the reimbursement process! My fur baby Kylo is now recovered and doing extremely well! Thank you so much and Embrace!

I could not possibly be Happier with the service and with a payment of claims by Embrace. When I got the insurance for my pets I got it because I felt that it was a smart thing to do but wasn’t quite convinced it would work out. To my pleasant surprise Embrace has done everything they said they would do, pay the claims timely and have been a big help to my wife and I. Thank you very much.

Embrace is very quick to process claims. They do a very good job of keeping clients informed as the the status of claims, answering questions, etc. Embrace gives me peace of mind in ensuring that I know my pet’s medical needs will be taken care of without my breaking the bank. I very highly recommend them. I knew I had made the right decision when my vet told she had Embrace for her pets.

I have been an Embrace policy holder for approximately 3 years. Switching over to Embrace from my previous carrier was a strong boost to my peace of mind. The claims that I have had were handled professionally and quickly. It's great to have an insurance company that treats their policy holders so well. I never hesitate to get my girl any needed treatment because I know I will be treated right and fairly. Thank you Embrace!

Have used Embrace Insurance for my Lab X Weim mix for years and added my wife’s cat when we got married and a puppy this year. The value is solid, the service is simple to use, the communication is great. The ability to customize your policy depending on your specific needs and budget is great. This past year the cat and older dog had a little more vet action than previous years and it was well worth the money spent during healthier years (which we got a credit for with the older dog!) to know they’d cover the other steep emergency charges— and they did. :) Reimbursement is issued promptly and it’s always easy to get in touch with a representative. It’s great knowing we can make the right call in an emergency with our pets without having to take finances into account as part of those decisions. Great business, great product.

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.

Wilson, our 10 year old Yellow Lab, was diagnosed with cancer recently, Embrace stood with us thru the complete process, no questions, no problems. Embrace is a good company that plays it straight, right down the line, I would highly recommend them for anyone's pet.

This is the first time we have needed to use pet insurance. It was a pleasant surprise that the deductible declines when the insurance is not used. The ease of filing a claim was also rather surprising. Thank you to all who guided us with this experience. Finally, Finn is fine!

I purchased the insurance not expecting to have to use it and then when I saw other reviews had no expectation that the bills would be covered. To my surprise, our dog's surgery was covered! Unfortunately, Molly recently passed and we received a sympathy card signed by several associates - that was unexpected but so appreciated.

My dog, Terri, recently needed a second chain mastectomy to remove several tumors. I was so grateful to have the Embrace insurance as it was quite expensive. Embrace was terrific. They reimbursed me very quickly and were very efficient throughout the whole process.

Have on occasions had to utilize pet care coverage, found respectability of company from vets good, format of submitting claims and cooperation with policyholders and veterinarian services very good. Good variety of plans, reasonable premium costs, and fairly quick to review claims and payouts to either policyholders or direct pays to vets. Superb service.

I've been with Embrace since early 2018. I bought insurance for my Old English Bulldog. He's had 2 emergency clinic visits and the insurance is a life saver paying 80% of bills. They also cover his RX medicine. Buying Embrace insurance has been a life saver and really helped with bills. Couldn't have done it without them. Customer service is 1st class also.

I contacted several insurance companies and thought Embrace had the best services as fas as preventive and accident protection. When I spoke to the sales rep he explained about pre-existing conditions and I explained I had recently adopted my dogs and I was not aware of their health. Needless to say I filed a claim and waited two month to get a determination of my claim. Additionally, my eight year old dog was evaluated as having lung problems because I mentioned to the doctor during one of my walks I thought I heard her wheezing. The vet never heard wheezing but because I mentioned it during her routine check up, she was classified as having a pre-existing condition. Now I wonder if it would be better to set the money aside and not pay for the insurance.