Embrace Pet Insurance Reviews

My whippet was playing outside and got a skin tear that required stitches. The vet bills were sent directly from them to Embrace and within a very short time a decision was made and as we had already met our deductible, Embrace sent us a check for 80%. Thank you for the speedy service.

I have already typed up a review, so I'll keep this short. Embrace has been nothing but amazing. I've recommended it to many people who all joined. They take care of not only our dog, but the humans too. They have reached out regarding our dogs heartworm treatment, and have even sent Christmas cards. They are reliable, and the claims department reviews every claim in a timely manner (and answer questions if we don't know if it is covered). 10/10 on service, and the family and friends that I told agree.

I had two dogs covered. The first one had Lymes not covered because it was considered wellness visit. The other’s cancer wasn’t covered bc during a wellness visit (prior to policy) he had an infection near site the cancer developed. Their focus is profit and fight hard to deny claims. Took months for them to deny the cancer claim. They have an automatic system that misinforms you. I was told claims were put on hold for lack of paperwork, but when I called they said they had it. I called several times and they bounced between “you’re missing vet diagnosis” and “you’re all set”. My vet wrote a letter stating that the infection (that went away on antibiotics as cancer clearly won’t) wasn’t related to an aggressive basosquamous carcinoma that was seen almost 7 months later.

Embrace will do whatever they can to deny your pet coverage however they can. The wording used in coverage plan is purposely written to be misleading and to give Embrace any excuse to hide behind the language so they can ultimately deny as much coverage as possible. It’s sad talking with multiple employees that there is a true culture of ‘deny, deny, deny’. I have had pet insurance through other companies and this one is by far the worst I’ve had - they truly don’t care about helping people and their pets out, they are just in it for the money and are very misleading about what they will actually cover.

Only a few weeks after purchasing pet insurance for my golden doodle puppy, he chewed off a piece of a puppy chew toy and ingested it. It became lodged in his tummy and had to be surgically removed. I was amazed and delighted with the speed my claim was processed. I faxed the claim form on a Monday of this month and received a check the following Monday. I find this to be extraordinary service and have been praising this company to everyone who has a pet and in the market for insurance.

Thank you so much for all your help, Rachel & Embrace! I appreciate the attention to my concerns & the outstanding resolution. Not only did I receive clarification, they proactively began an appeal on my behalf & have been supportive throughout this entire process. I feel not only thrilled with the help & incredibly impressed at the outreach, but the willingness to go out of her/their way to find a solution. I felt like I was a person being helped by another person like me, with the best interest for me & my pup (rather than a customer who received a generic response with only a company's interest at hand). Just outstanding response all around, I have never been so impressed.

My dog needed the doggie version of ACL surgery. Before the operation, it took less than a week to get pre-approval. After the operation, I had a check in hand less than 2 weeks after I submitted the claim. I was able to take care of everything via their app and it was extremely easy. I was very satisfied with the entire process.

My mom recently passed away so I adopted her cat, Ditto. I decided on pet insurance for him - hoping to never have to use it. Unfortunately, Ditto is a little too curious for his own good and a bit accident-prone. So far he's had two cuts to his chest (Ditto vs. wild turkey and Ditto vs. chain link fence). Even after he became an indoor only cat, he ate something he shouldn't have and needed surgery. All claims have been covered and paid promptly. Thank you Embrace!

Over the years I have had coverage with VIP for 2 other pets. I decided to try Embrace when I got my 5th baby since VIP no longer offered the high level coverage that I had in the past. Coverages were comparable but the service with Embrace is outstanding. Claims are processed timely and reimbursement is usually within 2 weeks. I had to wait for over 30 days for reimbursement from VIP. My only negative, is I wish I received an EOB with my check rather than having to sign on to see what was approved.

The team at Embrace needed no further information and took care of my claim very quickly - I received payment within a week. It was nice to not have to worry about the details of the vet visit or contact the vet multiple times for other info.

I had Embrace Pet Insurance for my 6-year-old dog since 2015. All was well and I have virtually no claims and then when my dog hit 4yrs old they started increasing my premiums. In the last two years my premiums have gone up 60%! I understand some increase as the dog ages and cost of medical care increases but 30% a year? That is insane! Don't be fooled by the low quote. As soon as they lock you in for a couple of years the numbers will climb quickly. Some folks have reported their premiums doubling the next year. Shame on Embrace.

When our sweet Peaches was diagnosed with bladder stones and then a liver shunt, I was so glad we had Embrace Pet Insurance. My calls to customer service with questions were answered and my claims were processed quickly!! Thank you Embrace!

Our puppy needed OCD shoulder surgery which was going to be at least $5k. Without knowing if Embrace would cover the costs we said yes. Submitting our claims through Embrace was painless, straightforward, and staff was super helpful every time I called to ask questions. Can you believe that I got an actual person every time I called? Embrace has covered all of Dax’s vet bills and now we can help him recover without worry. Thanks Embrace!

I've been using Embrace for 1 year now. I received a satisfactory rate in year 1 and this company has the gall to raise my rates 33% in year 2 after the first half of year 1 isn't even fully covered due to waiting period. I wouldn't waste your money here as its a classic bait and switch.

Bear blew his 2nd ACL and had to have it fixed. Both times you guys treated us so well and made it easy to file a claim. We were more than satisfied with your settlement of the claim. We will remain an Embrace customer for a long time.

We have had Embrace for 11 years for our first dog and 5 years for our second. Recently my older dog was diagnosed with cancer and she needed emergency surgery. Embrace paid the claim within a week. They are also covering the chemo she needs. I cannot speak highly enough of Embrace and every employee who has spoken to me with caring and compassion. I highly recommend Embrace to anyone looking to provide the best care for their pet.

Had I known that my pet, Winston, had a problem with the health of his teeth, I would not have switched my Pet Health Insurance. He sees the Vet every 6 months and has a teeth cleaning once a year. But, as I was not aware until my claim for the extraction, I find that I'm a bit disappointed, not only with Embrace; but with Banfield Hospital, as well. Lesson learned. As for other claims, I was quite satisfied.

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!

We have had pet insurance with Embrace for a year and it’s been fantastic. Claims are paid promptly, submission is easy and there are lots of options to choose from. I especially like having an app where I can look up my information and access my account.

We started using Embrace as soon as we got our Cockapoo puppy. They have always been very responsive, and we have been able to get reimbursements quickly, and without issues. The customer service has been great, and we feel good about Embrace covering our baby.

Hi - I just have to say my claims experience for my 4 year old Westie, Westley was fabulous. After finding out he required a bilateral knee surgery, one of your customer service rep Marco ** was exceptional in answering questions about coverage and the process. He was articulate, knowledgeable, and extremely helpful throughout the process. He was quick in responding to emails and supportive throughout my experience. Many thanks to Marco ** for an exemplary customer service and kindness. Best Shannon **.

I have had to make 2 claims this year and my claim was handled quickly. My benefits were explained clearly. I appreciate receiving updates about my claims through the Embrace app. The app is easy to use and it helps expedite filing claims. Thank you!!

Their customer service is excellent, we had 3 dogs on our policy and when one of our babies passed, they were excellent in helping me with closing her account, very compassionate. They even sent a card with handwritten notes.

Our almost 9 y/o miniature schnauzer has been covered with Embrace since he was 3 months old. Luckily we never had to file a claim until this year but the last few months have been difficult with major dental surgery and a extensive neurological work up. All those claims were covered and paid promptly as expected (full amount minus deductible and copay) and we are very happy that the only thing we have to worry about right now is our pet's health. Any medical decision will be made in his best interest and not solely on possible financial restraints.

I only had Embrace for 1.5 months before I had to put my cat down due to FP. However, I had to contact them every time I had put in a claim that was not a wellness claim. They said they would have be done processing the claim in 15 business days, but I was reaching out 20 or more business days later asking when I would have a response. To their credit when I did, I would get a response the next day, but it took me contacting them, this happened four different times. This extended the time I was having to look at paperwork and talking to vets after I had to euthanize my cat for another month and half.

My dog developed hemolytic anemia from a deer tick bite. He was very ill and the prognosis was poor. I took him to the Vet Specialty Center and treatment was initiated within an hour. I knew it would be expensive and I was hoping that Embrace would be everything I thought it would be. In all honesty, Embrace insurance was better than I had hoped for. I called for guidance and was given accurate directions on how to file claims. They were reviewed and paid very quickly without any hassle. The forms are easy to access from the app and my veterinarian faxed them in for me. Happy to report that my dog is doing well and Embrace could not have treated me better!

I transferred my cats insurance from VIP to Embrace when she was 8 years old. During the first year she had a few "first time" health issues and one small issue from previous. It took a long time to sort out but they were so helpful and in the end I was happy I switched to Embrace. They covered more than VIP would have and went the distance to show me the reasons why one thing wasn't... in spite of me being a bit testy. Thank you, Embrace.

Pet insurance: our dog was insured two months after birth (Apr '16) for $350 annually. 3 years later, it is now $478 or a 36% increase (simple inflation 9%). Wellness plan: they don't know how to process a "wellness" plan claim - again 3 years running. I buy a vet plan that covers most everything for one charge ($384) and Embrace can't figure out how to process it without an itemized invoice - ehh, there is no itemized invoice on an all-in plan. So far, just like hockey: 1 win, 1 loss, and 1 tie - what a pain! I went with them because of USAA's tie up. My next note is to USAA to get them to reconsider their decision and go with Nationwide (or someone else).

This company makes it easy to sign up but has no intention of honoring your claims. Steer clear. I submitted a claim well over a month ago and they said they needed more medical records. They said that once they received the records, it would only take a few days to process. The records were sent immediately after their request. Yet, weeks later, no communication from them. I called my vet's office and asked to send the records again in case they didn't receive them. Two days later, I can't get anyone from Embrace to verify whether they received the records. So, given their failure to communicate with me, I am assuming that they plan to drag their feet on this and not pay this claim. I have two dogs on this plan since August. I am in the process of cancelling the insurance. I do not trust this company.

So I originally sent in my claim form regarding one of my pets on October 23, 2019. I have received six (6) messages on the App regarding my claim such as "we are missing a diagnosis for the claim", "Your claim is in line for processing. You should hear from us soon!", "We requested your pet's full medical record..." then numerous other headings. I spoke to my vet's office, and it's made it around the office that nearly all of the vet techs have personally sent in my pet's medical history. It is now November 21, 2019 and I have no clue on what to do? Do I continue telling Embrace that the medical records were sent or tell my vet that I don't believe that the several vet techs sent in the record? This is not a 30$ claim, more in the several hundreds on top of what I already spend on this pet insurance. As of now, I do not recommend this pet insurance. Hopefully my experience turns out for the better. Good Luck to those of you having issues.

I used to have Nationwide Pet Insurance. I left them after they refused to cover an emergency visit that my pet had from a common parasite she picked up. Nationwide claimed they didn't cover parasites. I figured this was a big one not to cover so I cancelled my insurance and after shopping around I chose Embrace, because they seemed to tout how clear they were on what they wouldn't cover. 5 months into coverage my pet got pancreatitis which was scary and so I took her to the emergency room because she was vomiting. I filed a claim with embrace, which wouldn't even have been covered due to the deductible not being met yet, and they told me that vomiting and diarrhea were considered pre-existing conditions since the parasite she had previously had had the same symptoms, even though these are 2 different diagnosis they consider symptoms pre-existing not the actual diagnosis.

What was to be a Routine Surgery turned into a heart wrenching nightmare, after the surgery a previously very healthy pet became very ill very quickly. I submitted the claims and was shocked at how quickly the Embrace handled the claims. They are that peace of mind, when you think you're going to lose yours.

Horrible experience. 2 lost checks for 49 and 15 dollars. Cashed checks and had to AOT 12 dollar bank fees. Account other checks sent. Not communicated. Mike ** was an employee that was not very accountable to meet my needs. Very bad experience.

We received a call when we were out of town that our puppy ingested an entire bottle of NSAIDS. It took several days of IV fluids, medications to protect the GI tract and medicines to protect his kidneys under close watch from the emergency vet. A vet bill of a few thousand dollars is never an expected expense. The only saving grace was knowing that our pet insurance was going to help lessen the costs. He is now back to his old self without any lasting effects.

If you’ve been thinking about getting pet insurance, don’t hesitate!! Our dog, Brodie got into a sago palm, which are highly toxic to dogs. With two emergency vet visits and two regular vet check ups, our bills totaled $3,000. With Embrace, we paid $600 (20%) plus our deductible of $200. With only $800 out of pocket, Brodie has made a full recovery and we could not have done it without embrace. We got reimbursed quickly and have always had great service. I recommend Embrace to anyone with a pet. We will be lifetime users. Thank you!!!!

I purchased it after losing my first GSD to cancer (and spending around $5000 to help keep him alive). Now, unfortunately, I’m about to lose my second GSD to a different cancer. Having Embrace means I don’t make decisions for his health based solely on the cost because I know I’m covered.

We are new to the pet owner world, Embrace was recommended to us as we have a large breed dog, anytime I had questions and hey answered right away. We had a couple of incidents where we needed to see our vet and all of Baileys care was covered and we received reimbursement extremely quick... They know their stuff and they are very nice... Highly recommend.

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.

We have found Embrace to be the most convenient and easiest to use. We have 3 dogs and the cost of just an annual check up and then teeth cleaning for them is very costly. If it were not for Embrace I don't think we could care for our three babies the way we do. Thank you Embrace!!!!

Embrace was easy to sign up for, easy to take my money, easy to contact, etc. When I turned in my dogs claim for CCL surgery, they denied it because they wanted me to jump through more hoops. I figured I would cancel and get my money back. Not a single person I talked to would agree to do my $68 refund. Not a lead in the contact center named Josh nor the supervisor named Darcy. The best they could do is a partial one month refund. Embrace is a joke. They are not willing to work with a consumer(s). I would never recommend this company.

The only reason I went with Embrace is because I got a discount for their affiliation with USAA. Embarrassing on USAA's part to be affiliated with such an awful company and I fully intend to let them know this.... I gave embrace all my vet info when I started my plan on 3/12/2019 so that they could start gathering documentation on their end. I must have accidentally put Texas as my physical address when I first filled out the paperwork online (I just moved to Arizona from Texas) but I got several calls from the embrace “team” verifying my info, and I corrected my address on the phone with them. I was told my premium may change but I never heard anything again about it. I then got another call from a CSR verifying the exact same information. Annoying, but fine.

EVERY SINGLE CLAIM DENIED in 4 years of having this insurance. This insurance company is a TOTAL scam and a complete waste of time and money. Stay away and don't give them a dime. We've been paying them for years, and now, our dog now has cancer. They said it's not covered because it is not an illness or accident and, therefore, cannot be covered. What a crock. These people are crooks and should be ashamed of themselves.

Claim denied on the terms of it being dermatological. Essentially because I brought him to a vet as a tiny puppy and noticed he was chewing on his foot your company has ruled out ANYTHING related to his skin which is absolutely absurd. His skin is the largest organ on his body, and now whether it is a staph infection (not allergy or chewing foot related) or a scratch on his skin it is all instantly denied. Extremely disappointing as your company came highly recommended. But instead you've ensured you can cover as little as humanly possible because his 'skin' is not covered for a year. Awful service.

Like other 1 star reviews on this site, I had the same experience. I have two dogs, one super healthy, one with some congenital issues we never expected to have covered by insurance. We got a policy for both of them because we were concerned about them aging and hoped insurance would help with some of the routine trials that come with dogs. The occasional diarrhea and vomiting they sometimes get or any skin issues or ear infections. Routine stuff.

One-sentence summary: If your dog has vomited at least one time in the past year (i.e., if it is a dog), your dog will not be covered for any illness for which vomiting could conceivably be a symptom (i.e., most illnesses). My experience with Embrace began a year ago. One day, I came home and found that my cat had been run over by a car but was still alive. Due to the extent of his injuries, the ER vets estimated that doing everything needed to save him would likely total over $10,000. Being a PhD student, I just did not have that kind of money. After trying to come up with the funds, I ultimately had to watch my cat go limp and die in my arms because I could not afford his vet bills.

We have had insurance on our 12 dogs with Embrace for around two years now and have overall had a good experience until now. Claims and communication were thorough and timely but we have had not received the prompt emails and turn around time on the last claims. It seems as if there is a tactic to delay paying claims. The dogs are the same dogs from day one and they are asking for medical records before they will pay. All of our dogs’ medical records were provided when we began the policy, all have long passed the waiting period so there are no pre-existing conditions.

Embrace is NOT a good insurance company for any dog who has EVER been to the vet for anything. They will NOT pay! If your dog has ever been sick or injured for anything, you will not get reimbursed even if the new injury is unrelated to anything previous. They are a SCAM!

Vet service on 8/12; claim sent in on 8/24; they did not acknowledge receipt until 9/3; not submitted for review until 9/9. Now 9/17 and still in review. Called for an update and did not get a definitive answer. Customer service people are very nice, but if we have insurance, we are looking for the reimbursement in a timely manner.

I would like to change my review rating. Early on, I did not recommend. However, I am now changing the rating. Now that I have a better understanding of how this works, I have a more positive experience. The Wellness Awards are a real benefit for a new puppy as they cover vaccines and neutering and the deductible does not have to be met. My recommendation to anyone who has a new puppy is to take out the policy early on prior to the vaccinations starting. They are obviously very busy as it is difficult to get assistance when you call; however, you can leave a number and they will call back. I have found that once you get a Representative on the phone, they are very helpful.

If I could give negative stars, I would. We have been customers of Embrace for years with one of our pups. We now pay over $160/month for the best coverage for our two dogs, and we have never had a claim. Our golden pup (22 months) did us a solid and ingested some mystery substance that required emergency care. Over $3K later, I submit my first claim in 6 maybe 7 years? First they put the claim on hold because they were missing the second page of the invoice (which contained no material information), then they put the claim on hold because they didn't have a full medical history. Our vet finally satisfied that hurdle.

I had a first time great experience when my cat became very ill. They paid the claim as promised and I didn’t have to wait very long for the claim check. Awesome explanation and benefits are nice by comparison to what I would have had to pay for my Abigail!

Embrace has been a blessing to us. I adopted a 8 year old Golden girl Mary. She has been having abdominal bloating and we have had to spend a lot on trying to pinpoint what is causing it and Embrace have paid everything I am suppose to get back. Thank you.

I have policies for both my dog and cat under Embrace insurance. I have submitted 12 claims and every single claim except for one has been rejected - even when 2 of the claims had the vets themselves file appeals. Embrace has very broad language around what is considered a pre-existing condition and therefore reject nearly every single claim I've submitted. It feels like a scam. One example - we rescued our dog, and when we first brought him to the vet they noted that he was itchy. 6 months later, our dog got an ear infection due to yeast buildup after giving him a bath. Embrace rejected the claim because "itchiness" was a pre-existing condition - even though it has absolutely nothing to do with a one-off ear infection. Avoid Embrace at all costs - use Trupanion or one of the other companies.

The claims process was so easy! I used the on-line claim option and filing was a snap! Embrace kept me informed of my claim status and the check arrived in a timely fashion. I am very pleased I took out insurance on Molly!

Canceling policy after, roughly, six months of having it. After purchasing a puppy, our second dog in the household, we decided to get pet insurance to cover annual exams, surgeries, etc. Three months after having our puppy we found out that he suffered from persistent hyperplastic primary vitreous/persistent hyaloid artery. We sent a claim in and got rejected because it was a pre-existing condition. Ok...understandable.

We started with Embrace in 2017, paying $80-something per month for our four cats. The renewal paperwork we just received (to begin in 2019) is for $143, which means that over only two years, our rates almost doubled with this company. Frankly, they're not that great to begin with: We only get 80% reimbursement after a $1000 deductible (per cat), with a $15,000/year maximum. Other companies don't have per-year maximums, etc. That was fine at $80/month, but NOT at $143/month. When I first bought the insurance in 2017, I specifically asked their representatives about rate hikes, and both of the Embrace employees I spoke with said that even after using the insurance, their rates didn't go up. They're very dishonest, and we feel trapped. I highly recommend that people go elsewhere for pet insurance!

This was my first experience with filing a claim. WOW the mobile app was SO easy! Fast responses to emails returning answers to my questions. So glad I had insurance when my pup broke his pelvis!!

Embrace was great to deal with regarding my pet’s claims through the years. Always helpful and understanding. Unfortunately she passed last month and miss her terribly but Embrace was always there for us. God bless.

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.

I have been an Embrace member for 10 years and the level of customer service & attention has always been stellar. My dog recently had to stay in the hospital for 2 days and 2 nights. Embrace makes the process easy and seamless - they covered my claim quickly and it was one less thing to worry about. Thankfully Darren is home and feeling better :).

We have had great service and easy claims and we are very thankful that we got the insurance. We've had it for a few years when our dog suddenly took ill and almost died. We didn't feel like it was her time to leave us yet and since we had the insurance we were able to pay for treatment. She is almost her old self now. Thank you. The customer service lady that I have spoken with is super friendly and helpful. I highly recommend Embrace Pet Ins.

I would like you to consider an out of pocket cap, or a lower per pet deductible for multi pet households. I currently have 3 dogs insured and will likely carry policies on any additional dogs. Currently I am at $80/mo for the 3, with $500 deductible on each. that means $960 a year in premiums and I have already had 2 just reach their deductible. So I basically could spend $2460 out of pocket without ever tapping into my policy. Otherwise, I had a hiccup with my latest claim, but it got resolved. Thank you!

As a doctor I submitted 100's of health claims. Worst ever experience with Embrace. Requests for more info generic-non-specific, rejection of a claim based on a common symptom not a diagnosis. Used a symptom - vomiting - which is a symptom of Ingestion of irritating substances (i.e., garbage, chocolate), Toxins or poisons, Pancreatitis, Kidney failure, Liver failure, Diet change, Intestinal parasites, Viral infection, Medication reaction, Bloat, Bacterial infection, Heat stroke to deny all my claim, despite lab tests and ultrasounds that clearly demonstrate that although my dog had mild gastric problems on several occasions he also had an acute poisoning with elevated liver enzymes and a mottled liver ultrasound (prior ultrasound several months earlier was not mottled and enzymes were normal).

My first experience with filing a claim occurred today. It is also my last. I have no problem with completing a claim form but it MUST be completed by my vet. My vet is very busy and doesn't have the time. I am very unhappy with this process. My previous insurer just required the online submission of the detailed office receipt. Very convenient. I have cancelled my policy and will be shopping for another company. Avoid this company unless your vet isn't very busy.

We only had a two month insurance experience with Embrace before we realized that they aggressively and without practical, scientific foundation, pursue general and broad determinations of pre conditions, making it impossible for us to trust that they will pay when a real illness crops up (especially since neither the language of Embrace’s policy nor our veterinarian’s records (a VCA affiliate) justifies the pre condition determinations made by Embrace. The most important quality that one should look for in an insurance company for any kind of insurance, is trust and reliability. Embrace offers neither of these in our experience. Embrace is not worth the risk with your beloved pets.

I had three dogs covered with Embrace. One is two years old. One day my daughter was walking him and her and the dog got attacked by two loose pit bulls. In the process the dog suffered several dog bites that required attention. I took him to the vet, the got patched and treated and fully recovered. I have filed a claim with Embrace, however the claim keeps getting pushed aside, because they have never received the detailed notes from the vet in Houston from when the dog was a puppy.

I have Embrace Pet Insurance on my 3 dogs. One of my dogs was diagnosed with lymphoma and is currently in chemotherapy. To minimize the expense to me, my vet allowed me to give the oral chemo to her at home instead of bringing her into the vet hospital for the treatment. Embrace would not insure the treatment since it was administered at home. If I would have brought my dog to the vet for the treatment, it would have been covered. I received an email from Embrace stating this.

My lab has been covered by Embrace for 10 years! Sadly, he was recently diagnosed with a Mast Cell Tumor. All I can say is this, Embrace has been there for us, paying every claim without question. Pet insurance is not cheap, but, I am so glad I have it now. Cancer treatments are so expensive and they are covered! Thank you, Embrace.

I adopted Kya from the Animal Shelter on May 2, 2018. I've only had her for one year. I wanted to be proactive and decided to get health and wellness insurance for her. I chose Embrace due to their great client reviews. Unfortunately, Embrace Claims process has been extremely challenging. Myself, and my vets have complied with sending Embrace her 12 month medical history; which has been on-going since March 25, 2019. My vets are beyond reproach and completely frustrated. I am researching another insurance provider.

Our pet is a family member and his health is priceless. Embrace has allowed to give him the best care available for his health needs. Without Embrace we could have acquired significant debt or even lost our sweet pet.

Thanks everyone at Embrace for helping offset the costs of my little baby's recent hospital visit! I love the partnership your company has with USAA, so I know my little Sierra will always be covered! All correspondences have been EASY, QUICK and never any drama. As a retired military member, I really appreicate your attention to detail and your commitment to your clients! Best investment I've made in years! Thanks again: Roy and Sierra.

On April 1, I took my cat in for a vet appointment and I was told she was in kidney failure and would need kitty dialysis to survive. The estimate was $4500 for 5 days at the emergency vet. I called Embrace and they stated that although they cannot confirm or deny coverage over the phone, the treatment should be covered if I filed a claim for it. Sadly, my cat did not respond well to treatment and after a day had passed, they recommended euthanasia. The total vet bills came to $1900. I submitted the claim and it was accepted almost immediately. They covered 80% of the cost, less the deductible, and I received payment within days.

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.

I had a claim for my dog recently and Embrace was not getting the information that they had requested from my veterinarian but they were very patient through it all and in the end my claim was approved and I received my money in a timely manner after approval. Embrace makes it very easy to submit claims and get paid for them. I would recommend Embrace for pet insurance to anyone thinking of purchasing it.

Signed up my dog in July 2018 for Embrace Pet Insurance. Did not have a claim until November, when my dog was limping after being at the dog park. She is 10 but still very limber and active. Took until January before hearing back from the CSR at Embrace that they wanted more doctor's notes even though I was way past their "waiting" period. Sent in a year's worth of doctor's notes of vaccines and one previous visit for an ear infection.

I have never felt so wronged by a company more than what I endured with this company. They are extremely fraudulent. I was paying for pet insurance that was not even covered on my policy. (Going back)... They required a pre-policy medical exam before starting coverage. They stated that they would contact me if they were not able to obtain it. Since I did not hear from them, I assumed they were able to get my dog's record thus charging me for a premium policy. A year later when I filed a claim, they reported that they needed a medical exam. They had ME go to my vet and request that it be faxed to them. This made me quite upset as I had to do extra work for a service I am paying them for, in addition to them not doing their end in obtaining the items.

We purchased Embrace for our dog, only to find out that we would be giving a monthly investment to an insurance company that did not cover a Single claim. They always claimed there was a pre-existing condition. Our dog had had diarrhea once as a symptom in old records - and this meant that when she subsequently developed bloody stool and needed to be seen multiple times — this was a “pre-existing condition”. Despite multiple pleas from us and our vet in personalized notes describing why the two were unrelated, Embrace didn’t give us a penny. Their customer service was also horrendous. Long wait times to hear that our claims had been denied only added insult to injury. Buyer beware, don’t make the same mistake we did giving them hundreds of dollars to receive NOTHING in return.

They literally have done nothing except take my money and find any loophole not to pay. They go above and beyond to make sure you get nothing back for your pet. Not even simple meds or blood work. These people are disgusting on every level I swear. I wanna spit the worst venom possible but you all need to see this and avoid these disgusting human beings. I hope they all receive the same poor treatment themselves by their own health insurance cause they clearly aren't here for your pet at all.

I was a new customer to Embrace as of December. With a new puppy, I signed up to receive coverage. He passed puppy wellness exam and had no pre existing conditions for the 12 months prior to the day I became a customer. He passed the accident and illness waiver period. I took him in to complete an optional orthopedic waiver to reduce wait time from 6 months to immediate coverage. Found out, because of the optional waiver exam, my puppy had hip discomfort and did not score within normal limits. I did not submit the waiver request and chose to wait the waiting period.

My dog, Molly, had elbow and shoulder problems. The recommended treatment was really cutting edge - Stem cell and bone marrow treatment on top of arthroscopic surgery to clean out her joint. These procedures were very expensive, and I did not know if insurance would cover it. So, I called Embrace. They told me that it was probably covered, but that I should send in a pre-surgical application. I did so, and found out that Embrace actually covered it. This was such a relief, since I did not know if I could afford it. Then, when I filed the actual claim, Embrace covered some items that I didn't know were included. Absolutely wonderful.

Once I reached out to Darcy with my information, she was able to resolve the issue. It was a miscommunication that was able to be fixed and we were able to receive money back on our claim. She was timely in responses and very helpful.

Our Flatcoated Retriever decided to dine on a pair of woman's knee high socks, and we were not aware of this "meal" until he vomited up one sock. The other was removed surgically. Embrace very promptly paid the claim reimbursement a week after the forms were sent to them by the surgical hospital. No questions asked, just prompt, wonderful service! Thank you, Embrace - you rock!

Our dog Rosie tested positive for Heartworm, it is a 2 treatment procedure to treat, each claim submitted and process, was done quickly and reimbursement made quickly! Everyone involved at Embrace was so efficient and caring! Thank you!!

Embrace was very prompt in processing claims and sending me checks after three recent vet visits. Just wish the vets could have saved our senior dog. I would consider Embrace if we get another pet in the future.

Called today starting at 1215pm est. Got a recording telling me to call back during business hours 9am to 1pm. Tried both numbers. Got the same thing. Why are you guys closed 45 minutes early? Why is my rate increasing when there hasn’t been any claims? Why can I not cancel my renewal and policy that is up on 1 March on my account website? Your way you do business is unethical!!!

So far, Embrace Pet Insurance has proved to be all that I hoped it would. All of the Embrace personnel I have dealt with have been very compassionate, responsive, and accommodating. They have paid all claims in a timely manner, and they kept me from having to make a really difficult decision when one of my dogs needed major surgery to remove an abscess caused by a grass awn that threatened his life. I would not hesitate to recommend Embrace to anyone.

I have had Embrace for my Newfoundland since I got her as a puppy 6 years ago. Embrace customer service is very friendly and helpful. They reimburse quickly and I would recommend every new pet owner consider Embrace.

I have had Embrace Pet Insurance for a little over 8 years now. Their claims processing is extremely fast and accurate. They deposit my reimbursement right in to my checking account. I pay with my credit card and have the money in my account before the bill is due. Their customer service is excellent. Very friendly and helpful. I recommend Embrace to everyone, including strangers.

A few years ago a friend told me about Embrace and I have never been disappointed in the service I have received from them as far as responding to invoices sent to them. I will recommend Embrace Pet Insurance to anybody.

I've had Embrace Pet Insurance for one of my dogs for almost 5 years now, and the other for the 3 years we've had her. In that time, one dog has torn her cruciate ligament in both legs and had to have them surgically repaired. I could not be happier with the service and reimbursement process. Thank you!

Our 9 y/o dog have been generally very healthy. Just this year he had a traumatic hip dislocation and elevated liver enzymes. With both issues Embrace has been quick to respond and cover both conditions. We are very pleased with the quick and simple process with submitting a claim Embrace. Very happy to have chosen Embrace for our pup's health coverage.

We've had Embrace for over 5 years starting with our furbaby #1. Embrace covered her for teeth extractions and heart tumor diagnostics. Well into the thousands of dollars. All their forms are so simple and clearcut. They don't ask you a ton of details that you have to look up. Fast turnaround period. It's just an efficient company. Now we have all 3 of our furbabies with them. Wouldn't change a thing

My Golden Retriever Ringer was diagnosed with Osteosarcoma in his right hip last Feb. I was told that Colorado State was able to do Stereotactic Radiation that could possibly shrink the tumor and alleviate the pain he was experiencing. The Vet had given him 2-3 months to live. He is still here with me a year later. He had 5 rounds of palliative chemotherapy following his radiation. So far no Mets to his lungs. He is doing really well. He eats and plays and we are hopeful he’ll make it to his 7th birthday this April. I am uncertain how long I will have him. Everyday is a blessing.

I am delighted with the coverage I received for Chloe resorptive lesions. It was a bit stressful not knowing if the lesions would be covered by the policy or not - I wasn't sure since it relates to dental. The process for filing the claim was easy enough, my only two negative thoughts are that: 1. Needing to login to the website to see claim results is a pain. I wish they could be attached to the email as a PDF. 2. Some but not all of Chloe's anesthesia for her surgery was covered. This doesn't make much sense to me.

I can't say enough good things about my experience with Embrace. My sweet dog was diagnosed with a life threatening condition, that was emotionally so hard to deal with and came with a lot of very expensive testing and procedures. It was wonderful that I could comfortably say "yes" to all of the recommended procedures and testing to give my little girl a chance to live. But, even better, with how easy it was to send in the claims and the timeliness in receiving approval. Embrace never gave me any trouble or questioned anything. They have been wonderful. I will never not have pet insurance again, and I will always use Embrace!!

I used Embrace to mainly cover my dog's check-ups, but one day, he landed funny when jumping off the recliner and ended-up needing MPL surgery. The cost was about $1300.00 and Embrace covered approximately $950.00. Awesome.

Very satisfied with customer service. Staff is highly knowledgeable of many topics regarding coverage and if not certain will ask for additional assistance from other staff. Will go out to ensure customers are satisfied with inquiries.

I started using Embrace at the recommendation of my veterinarian. I have rarely been so pleased with customer service as I am with this company. They are small and treat you like you are their only customer. They respond promptly and are extremely courteous and helpful. I added a pet to an existing policy and they were very helpful in explaining the costs and even found ways to help me save money. In May, they added a reminder to call me at the end of the year to help me remember to update my policy as we discussed, and sure enough, they reached out in December and got it taken care of even though the original rep was on maternity leave!! I wish my human insurance coverage was so easy and helpful!! And I don’t receive annoying emails all the time! They are there when you need them, and quiet when you don’t. I highly recommend Embrace to anyone!!

When I renewed my contract last year, I called on the phone to renew. I guess I waited too long, because my contract was renewed automatically several days later. I had to get customer service to delete my payment, since I had paid twice. The double payment was resolved and the over payment was refunded to my bank account. Otherwise, I always got my pet's payments back in a timely manner. Thanks.

After a quick account set up, I just provide the Vet with a claim form for each pet. After that, it all happens behind the scenes and the reimbursement just appears in my account. Couldn’t be easier. Thank you Embrace for making something in this life truly simple and convenient.

When my fur baby is sick that last thing I want to worry about is money. I very much appreciate how easy the claims process is and how quickly I am reimbursed. Love that I can download the claim form and email it straight from the site!!

My experience so far with Embrace Pet Insurance has been great. I have filed two Wellness claims and have received a full refund promptly. I have made calls to clarify information and staff has been great. Thankfully, I have not needed their protection with illness or accidents, yet, however I am confident they will make my experience a pleasant one.

We definitely would recommend Embrace for pet insurance. Our 3 year old lab mix was diagnosed with a tear in her knee ligament. Embrace covered 80% related charges quickly and easily. It pays to get this insurance for our pets. For a low monthly payment and excellent service, it is an awesome program!

So glad we discovered Embrace Pet Insurance several years ago for our beloved Beagle and Aussie. We will never have to think twice about providing the best for them. Whether it be their health care, dietary needs, specialized training, or routine care. No questions asked - Embrace is the best!

Making a claim was easy and simple. Embrace processed my claims quickly and efficiently while regularly keeping me informed of the progress. The claims were paid a reasonable time after the review was completed. Very satisfied with Embrace.

Embrace was there for us when our beloved pup, Porter, was diagnosed with a brain tumor. Having their coverage made Porter's comfort and the course of treatment our priority... not prices. Embrace was there for us when we had questions about prescription medications and to walk us through our coverage benefits. Their prompt responsiveness, caring words, and thoughtful card when Porter passed showed how compassionate they are when dealing with sensitives circumstances and lost pets. I recommend Embrace to any pet owner, they are a great company that provide a true service to their customers.

I'm very satisfied with Embrace. Claims are easily filed by me or the vets' offices and customer service doesn't make me wait 10 minutes just to talk to a human representative. The website is easily accessible and the space dog is fun to watch while I log on. Overall great job!

We’ve had the unfortunate need for critical care for our two dogs over the last 3 years. One with anal sac cancer and the other a benign tumor that ruptured his spleen. The only reason we could pursue the life saving surgeries was having Embrace insurance. Speedy payment process and no hassles.

We had rescued 2 pit bull-mastiff-lab mix puppies from a local Humane Society. Both were in great health but when one of them, Hamilton, developed a limp when he was a year and a half, we took him to the local vet who diagnosed him with a TPLO of the right hind leg, basically, as I understand it, he tore the tendon in the knee. He needed surgery so we took him to a nearby vet who specializes in sports injuries for dogs.

I've been very pleased with Embrace Pet Insurance. We've had it since our 9 year old was 4 months. Whenever we've made a claim - they've addressed it immediately. Also the submission process is super easy as well. I will not get another pet without it.

You have posted an article on me and my dog, Tango diagnosed with Addison's. I tell everyone about you. We do a podcast and I mention how thankful I am to have you guys. Thank you for being easy to communicate with. You guys are awesome!

I have been very satisfied with Embrace pet insurance for my two rescue dogs, a cocker spaniel and a bluetick coonhound. They have always been very helpful in answering all my questions. Their customer service is excellent. I have filed two major claims which they reimbursed me for promptly and even walked me thru the process. I highly recommend them.

I love having pet insurance for my dogs. What I don't love is every year there is a price increase making it not work for my budget. I'm a dog owner that is on top of my pet's vet care. I don't like that the policy increases every year. I have been with you guys since 2012... 7yrs. You think I would get some praise for being a loyal customer. It was 97 ish dollars and now it is 148.

My very first pug, Ping, was 12.5 when she passed in 2013. In her later years she suffered with a UTI that wouldn't go away. Her vet bills were very expensive, as you can imagine. She needed an Ultra Sound for almost $2K. Whether it would have helped or not I have no idea. During this illness she was on expensive medication, special diet food purchased via my vet, and constant urine tests and cultures. As a retired individual I did the best I could for Ping. As an aging pug, she also developed spinal stenosis and lost control of her back legs and bladder. At the time, wheels for dogs weren't as popular and affordable as they are today. I lost my beautiful baby when I felt her quality of life was gone. I swore at that moment that I would never ever have a pug without purchasing insurance for it.

Embrace is the best insurance for pets. I have had nothing but awesome experiences with them. Filing the claim is easy and they process them very quickly and get you reimbursed. It is a pleasure to work with a company that is so easy. Thanks Bert, Paul, James, Radar and Ruby.

These guys are great. Our dogs have been insured with Embrace since they were pups... They are 8 now, and as they are EXTREMELY rambunctious have had many scrapes along the way... and Embrace has been supporting us with paying for those scrapes every step of the way with their exceptional customer service. Can't recommend them more!

A wonderful addition to my pet's life. I no longer worry about the what if’s of her health. The claims I’ve made through Embrace have been quickly repaid and it was a simple process. I only wish I’d opted for the larger amount on the wellness rewards. Embrace has allowed us to compete and travel confidently.

I recently received my renewal quote and I was quite stunned to see that cost of my plan for my two dogs is going from $1292.09 to $1679.71. That's an unexpected 30% percent increase that I do not think is fair. I have read your website on what you say is the cause of premium increases, and I have read that you won't increase my premium just because I claimed (which I have for 2 separate knee surgeries for my dog Sienna and emergency visits for Lucca), but I find it hard to believe that I am being upcharged significantly just because my pets got older (from 2-3 yrs for Sienna and from 1 to 2 yrs for Lucca), or because of an increase in veterinary costs, or overall trends in the pet population.

Very quick reimbursement post veterinary visit. They make it very easy to submit forms. They are very professional and knowledgeable. Their rates are very reasonable and I would highly recommend their services.

After signing up for two other pet insurance plans and finding out that they did nothing but collect premiums without providing any coverage, I found Embrace. My experience with Embrace has been excellent. It is comforting to know that my Buddy is covered for not only illnesses, and wellness but also if, and I hope it is never needed, something more serious occurs. Thank you Embrace Insurance.

I purchased a specialty cat and since she was an indoor kitten I expected good health. However, diseases and accidents can happen. I asked around and people and local vets recommended Embrace. I liked the prevention-yearly physical support. Soon after my cat at Pom-poms. She was approximately 16 months old. My kitten had X-rays, ultrasound and emergency surgery. She did well - the bill was big! Embrace was there every step of the way. Fair rates, compassion and efficiency. Best choice for us and kitty doing great!

I never had insurance for my dogs until my daughter purchased it for her new puppy. I did some research and thought it might be a good idea for my greyhound Joey. It was a godsend when Joey broke his leg and was diagnose with osteosarcoma. We were brokenhearted when we let him go but in the aftermath Embrace was there to help us sort out the bills. Now that we have a new greyhound, we also have a new Embrace policy.

The price for the first dog has doubled since I started the plan. And she doesn't even have wellness visits included. It seems every time I send in a claim the price goes up. Last time it went up $18.00.

I have been completely satisfied, even delighted, with the service and support I have received from Embrace. I have insured two of my dogs and feel delighted with both. I consistently recommend Embrace to anyone who asks... I even recommend insurance to those who have not found the value yet... and Embrace in particular. Thank you for your great work and love of our pets.

I love Embrace! Their customer service is amazing. And, the policies I have on my two kitties are easy to understand and even easier to file claims on. I've been with Embrace for a few years now and have never had an even mediocre experience and trust me, I've used my policies! I can't recommend them enough!

Embrace has helped me make more of my life with my dog Wednesday. She is boisterous and active. I worry a lot less about her hard-headedness then I would without Embrace. I tend to get anxious over her health. Embrace helps me worry a lot less and enjoy a lot more.

I have been with Embrace now for five years and I love them! I have not had a problem with getting a refund (check) in the mail for a service my dog has had. Fortunately I have not had to use my insurance for any injuries but use my Wellness account on a yearly basis. Thank you Embrace!!

We got a puppy in early January and our first task was to make sure she had the proper health insurance to alleviate any of the expensive unknowns that come with a new furry friend. I enjoy Embrace because their website is well-organized with clear breakdowns of coverage and FAQs. The process for submitting a claim or other documentation has been easy. The employees I've communicated with have been knowledgeable, responsive, and helpful. The direct deposit process has made life easier. So far, we're very happy with Wilma's coverage. The only thing that could be better is a mobile app (or responsive functionality).

I can only say good things about Embrace Pet Insurance and highly recommend their services. I have submitted several claims related to my dog's cancer tumor. Embrace's representatives have been professional, friendly and helpful. Payment of my claims has been timely.

I have had Embrace Pet Insurance for a few years. And up until now have been really happy. They have always covered my claims quickly and without a lot of hassle. That being said, I am less happy with the service at this point as my plan coverage monthly cost has jumped an astronomical $13/mo for a renewal. $13 a month is a HUGE jump from one year to the next. I called to discuss this with a rep who basically told me there is nothing they can do for me as a customer at this point to lower that cost other than cut the coverage I have back. Not what I was hoping to hear. I will be researching other options for my insurance needs going forward.

This is the first time I've ever had dog health insurance and a very pleased with the easy way to file a claim. The turnaround time for reimbursement was very quick. I look forward to continuing with EMBRACE for many years to come.

Total blockage needing emergency surgery. I thought Embrace was very responsive. I was going to look at all available companies for my new dog but I decided I didn't need to after my Embrace experience and got another policy from them.

My Dog Nemo tore his cranial cruciate ligament. Embrace reimbursed me within weeks after TPLO surgery. I'm glad I decided to get pet Insurance esp. Embrace, I recommend it for anyone that has a Pet that they want to keep around as long as possible without breaking the Bank!

When I was getting a new puppy little more than 5 years ago. I did my homework and researched pet insurance companies. I chose Embrace because the premiums were reasonable, and they said, "We pay what you expect us to pay," and they do. I never had a claim til this year when my dog got very sick. Embrace paid all claims. Had I not had this insurance, my only choice would have been euthanasia, for a dog who will be healthy again, because I would not have been able to pay the bills. I always tell people my dog is insured by Embrace.

I am so thankful that I decided to get Embrace when my golden retriever Pal was young and healthy. Little did I expect at the age of 4 that he would develop epilepsy and have seizures. Having insurance made the medical decisions easier not having to worry about the price. We first went the traditional route for exam and treatment but are now going through holistic treatment. I have submitted pre-approvals without a problem. Every time I have called Embrace, I have been so appreciative of their kind staff and quick response. I tell all of my friends and family to get the insurance. I joke that it's better coverage than some humans have!

Embrace is a wonderful company. The wellness policy covers everything from micro chipping to obedience training. You can choose the levels of coverage you need. I have peace of mind knowing that if my fur baby will be covered if anything major comes up.

We have been a client for 7 years. I have had a positive experience. When our Doberman started showing signs of a funny crab like Gaits we took her to our vet who recommended mri . We are so lucky to have Embrace insurance. Our girl receives the best possible health treatment available. We never had to make that dreaded decision as to whether we could afford treatment! What a peace of mind !! We just purchased another policy for my grandson's puppy.

We absolutely love our insurance through Embrace. It's so easy to submit claims, they're super helpful on the phone if you ever need them, and there's rarely ever a wait. After our terrier mix broke a tooth and need dental surgery, we started recommending Embrace to all of our pet owning friends because the process to submit claims, and the amount that ended up being covered was absolutely amazing (almost 75% of the $4000 in bills!). Cannot say enough about how seamless things are to work with this company, 10/10!!

In 2009, I got my first Cocker Spaniel, and shortly thereafter I joined a cocker spaniel forum to learn more about the breed, grooming tips, etc. I learned a lot from this forum, particularly that cockers are predisposed to a variety of health issues, many of which are extremely expensive to treat. The other thing that I learned was that many of the owners obtained pet insurance for their cockers, but had mixed reviews as to their reputations. One company that kept getting excellent reviews was Embrace, and that is the company that I chose for my dog when she was a couple of years old. Their reputation for paying based on actual costs, and for not having breed-specific exclusions were two positive features that I liked.

Embrace Pet Insurance is the BEST! I have had since my babies were puppies. When Luca was diagnosed with Inflammatory Bowel Disease, the claims process was easy and reimbursements were fast! Embrace Pet Insurance is Amazing!

In a freak accident, Ava-Grace ate between 15-20 grapes. I grabbed her and didn’t think twice about going to the ER, thanks to Embrace! She was hospitalized for 4 days and made a full recovery! Embrace took the financial stress off this very stressful time.

Reasonably priced. They make every effort to pay claims without hassle or contention, and they do it quickly. I like their regular newsletters as well. I feel as if I am part of their community; it does not feel fake to me.

Embrace Pet Insurance is fast and reliable every time I file my dog's Wellness claims. The policy is reasonable. My sister-in-law even switched to Embrace Pet Insurance for her 2 dogs. Thank you very much.

I cannot say enough about how pleased I have been as an Embrace Pet Insurance customer for four years. Every claim is responded to quickly and efficiently, and really brings a sense of relief during times that are otherwise stressful when my fur baby gets hurt or sick. Thank you for everything and keep up the great work!

Embrace Pet Insurance (USAA Sponsored) is the best pet insurance I have experienced. Having many dogs as pets for several years, and the competition pet insurances in the past, that which Embrace offers is the best combination(s) of plans relative to cost, wellness/sickness/accidents definitions, prompt reimbursements, easy claim submission, understandable contracts, well organized web site, and superb "bed side manner" of the telephone/chat staff(s). Further, while the competition offers sporadic "helpful hints" to clients, Embrace email consumer newsletters are colorful, attractive, helpful, time/season/event sensitive and published often. I would unequivocally recommend EMBRACE.

After having been with Embrace going on one year I am disappointed in more things I find out now. We have to cancel the policies on Bonnie and Ellie. Last week I spoke with Xena and canceled it and she told me there would be a refund of only $23. I have not yet received the refund.

This is my second dog covered for both wellness and emergency. All claims over the past 4+ years have been reimbursed without question or delay. I am lucky my vet completes forms with each visit. I recommend Embrace. Easy to work with.

My dog had seizures and had to take her to an Emergency Animal Hospital. Embrace processed the claims on time and had a great experience. This was the first time my dog had an emergency in almost 4 and a half years with Embrace.

We have had Embrace Pet Insurance for 7 years and have always had the best experience with it! When I file a claim it has always been paid as per the policy. The EOBs clearly delineate what they are paying for. The claims are processed in a timely manner and payment is made quickly. I really appreciate that we can go to any vet and use it. We highly recommend Embrace.

I recommend Embrace to anyone that I ever see asking for good pet insurance companies. I have had the best experiences with Embrace. The plans are terrific and their customer service is above the rest. I even got a hand signed card when my beautiful cat passed away. Love these guys!

I've had my male Siberian on Embrace Pet Insurance for about 4 years now. Only this year did I really have to use it a lot and boy was I glad I had it. All my dealings with the staff at Embrace and the quick turnaround of refunds is awesome. I recommend them to my friends and clients (I'm a professional certified dog trainer).

I have been a loyal Embrace customer for almost a decade, and I'm extremely disappointed in the company. Last year, Embrace doubled (!!!) my monthly payments (for the EXACT same service). When I talked to customer service, they basically told me to suck it up, and there was nothing I could do. I have always recommended Embrace whenever a friend or relative wanted pet insurance, but I will never recommend Embrace again.

I have, and would recommend Embrace again to anyone looking for health insurance for their pets. My experiences have been very positive and the staff have always been helpful. Billing and claim submission is very straightforward and easy.

In addition to the accident and illness policy, we have the wellness plan for our 4 month old puppy. We have been very pleased with the telephone customer service and the promoters of handling claims.

Five years ago, I adopted a senior rescue dog. After hearing glowing reviews from a client of mine about her experience with Embrace, I signed up. That was one of the best things I ever did! My dog has had many health concerns (some pretty expensive) over the years and Embrace has always been there with quick & no hassle reimbursement. I highly recommend them!!

Embrace was an excellent choice for my dog. I never wanted to worry about Penny’s care if she needed any emergency service or expensive treatment. I went with Embrace because it offered a flexible plan. Unfortunately we have needed to use it twice - first for a mast cell removal and then for a CCL repair. Both times everyone I dealt with at Embrace was attentive and compassionate. I received my reimbursement checks and I am very happy with Embrace Pet Insurance.

I was 100% satisfied with the experience and feedback from both customer service and claiming service team when my dog tore her ACL and the process of submitting a claim and even seeing if it was covered was very very easy! I would definitely recommend this company to anyone who wants a reliable insurance company without the headache of submitting claims. Without them I would not have afforded my dog's surgery.

I first purchased Embrace insurance in 2014 - high deductible plans just in case something major happened. I carried insurance on my dogs for 3 years before I made my first claim. Then in 1.5 years I had 3 major claims on two different dogs. Embrace was simple to work with and there were no surprises. Questions were answered quickly and claims were paid promptly for the amount that I expected (bill - deductible & copay). I’ve been very satisfied with the service that I’ve gotten with Embrace.

I have only had positive experiences with Embrace so far. The claims I have filed have been taken care of in a timely manner. I had to call once for questions regarding coverage and my questions were answered easily.

I had a bill from our vet for about $476 and Embrace covered $375 of the total in a very timely fashion. We have had other pet insurance in the past but we are very glad we have switched to Embrace. The service and the people I have spoken with are both outstanding and I highly recommend this insurance.

We have had Embrace for 10 months now and I would highly recommend this company. The ease of submitting claims and getting payments back is great. I have never had any issues with any claims and it's a nice peace of mind knowing that I can pay for my dog's health issues and get reimbursed within 2 weeks. If you don’t have pet insurance I would highly recommend Embrace.

So far, Embrace Pet Insurance has met all our expectations. Everything we've read about Embrace is true and we are happy to be a part of the Embrace Pet Insurance team. While our Honey is young, all preventative steps we are taking are completely covered. The real test will be when she gets into her senior years, but for now we couldn't ask for anything better. Thank you Embrace!!!!

Thus far, I am pleased with the Embrace policy. We have had several claims, unfortunately, and each has been attended to promptly and within specified limits. I will say that Embrace is very efficient in replying to claims and/or questions, which is refreshing and not necessarily the norm these days. I plan to continue service with Embrace.

I have had my Rottweiler continuously insured by Embrace Pet Insurance since she was a puppy starting in December 2013. The annual claim limit is $15,000 with a $500 deductible and 90% reimbursement. When I took out the policy, I was aware that premiums would increase as my dog aged. However, I was not prepared for the amount of the increases. The initial annual premium was $745 in December 2013. Her complete premium history is: 2013 - $745, 2014 - $827.56, 2015 - $1,078.41, 2016 - $1,153.91, 2017 - $1,358.10, 2018 - 1,453.18, 2019 - $1,556.74). Over my dog's life so far, I have paid $8,172.90 in premiums. I also asked what the annual premium would be today for a new policy a 10-year-old Rottweiler - $2,103.

I found the company to be highly ethical and responsive. Angus’s cataract surgery was pre-approved and reimbursements, as requested, were deposited directly into my bank expeditiously. The Customer Service reps were knowledgeable and pleasant. Thank you Embrace for following through. Angus and his parents appreciate you being there for us.

I used Embrace because I was referred through USAA. This was a mistake. I got insurance for my new 6 month old golden retriever at a friend's recommendation whose 10 year old golden recently had to have a few surgeries for thousands of dollars. I read all the paperwork carefully, knowing that any preexisting conditions found would not be covered. I was informed that medical records would be procured from our vet to determine this. I gave them the vets information and release for them to receive the medical records.

I signed up with Embrace thinking I would be covered for anything that came up based on the policy. I took my pooch in for a vet visit during the waiting period (which is total stupidity - I hear of people waiting until after the waiting period to take their pet in so they can be sure they get covered, but I did not). Because he was tested for a UTI and the vet mentioned ectopic ureter, it was not tested or confirmed, it was a simple statement of possible causes. Now that I have gone in and confirmed this is what he has, well after the waiting period, the insurance will not cover an ectopic ureter surgery which is nearly 10K!

I originally purchased this policy because most things associated with USAA are top notch. I have a 9.5 year old Cavalier King Charles Spaniel, which are all genetically predisposed to heart issues. When I reviewed the website for Embrace, it stated all genetically linked illnesses are covered. PERFECT. However, after sending my pet's medical records in advance for a medical review, I had different responses. Each person I spoke with, gave me a different answer. One would say, "No his potential heart murmur would not be covered, but other issues that may occur down the line will". Then the next rep stated, "Since it has not been diagnosed yet, or confirmed by a cardiologist, it should all be covered", and then finally, "No, nothing associated with his heart would be covered". I can understand why so many claims are denied when there is so much confusion on what is covered or not.

I had my Bullmastiff insured with Embrace for the last 7 years, since he was a 4 month old puppy. While premiums have been going up over the years, the increases were generally reasonable. However, I just got my policy renewal notice and my premium DOUBLED! I got the accompanying email about how they've reexamined their actuarial models based off breed, age and location. Here's the thing; I understand pet insurance is getting more expensive across the board. I would understood price of insurance gradually rising over the dog's age and could have even dealt with a 20-30% increase. But doubling the price as my dog moved into the senior category is unconscionable in my view.

I wish I had read the reviews of this company prior to paying for their service. Partially my fault, because usually I simply trust USAA to partner with reputable businesses, and blindly selected their services. This was a mistake. Embrace has denied EVERY SINGLE CLAIM, over various dubious explanations. Find another one.

Canceled policy due to numerous excuses to not cover medical expenses. This company ranks last in comparison to other pet coverage such as AKC etc. I would not recommend this service to anyone. The pre-existing conditions are overly used... And one condition exist for medical and another for dental. It's like chasing your tail... No pun intended... And hoping for progression. One is better to put money aside or go to another (any other) pet insurer than Embrace. A very poorly run company with many loopholes for not reimbursing even with the inclusion of vet notes. The invoiced is never sufficient.

I've had Embrace pet insurance for about 2 years now. Just recently I sent in claim information that dates back to January 2017. All of the claims were reviewed in a timely manner and I was updated regularly regarding status. Just today I noticed that two claims checks of $140 and $250 had not been received. Contacted Embrace via chat. Received immediate assistance and support with recommendation to switch to direct deposit. Within 5 minutes of logging off with the chat person I received an email from Embrace regarding resolution. Very impressed.

After a very frustrating day, the rep I'd been communicating with took the time to re-set relations. She did eventually void the check and switch to a direct deposit. Additionally, my outstanding claim was processed.

Have been paying insurance every month since April, finally submitted claims towards my deductible... all rejected. The policy sold to us was bogus and covers NOTHING... I hope they feel good stealing from people... because that is what they do. I am disgusted!!! All these months I thought we had Pet Insurance, that money may as well have been flushed down the toilet. We were told routine visits were covered... now they change what is covered... making up bogus excuses. That money is gone. All for nothing. Do not waste your time w/ this company!

This company is extremely shady. I felt like they just used the most roundabout ways to try to say that every symptom my cat had was a pre-existing condition. I work in the medical field so I am smart enough to know that they were stretching. I would say don't waste your money. They're going to reject everything anyways. I got a pat answer response from them when I wrote a review on another site and I emailed them the following:

I submitted all documents upon signing up, spoke to several reps and was told that was everything. Specifically asked about certain things, then suddenly trying to use wellness claims I was told that toothpaste and natural anti-flea and itch shampoo required a full medical report to document it was needed. Keep in mind this is not medical but for wellness. Then am told it denied because I didn’t provide this information I was before never told about. Unless you're as dumb as the people writing the policy, you shouldn’t need a vet to tell you preventing normal allergies, tartar, and fleas are something you do as a preventative measure. Embrace, your own pets must be bug infested if you don’t know this.

Our experience with Embrace has been nothing but excellent. Our kitty was diagnosed with diabetes shortly after taking out this policy and Embrace has covered us 100% ever since. As long as you do your paperwork and send in all the required documents, they are there every time. Embrace makes it very easy early on, to understand exactly where your pet stands as far as it's pre-existing conditions. I like that so there is no guesswork.

We had a puppy that we enrolled with Embrace on 1/29/18. He had a pre-existing condition of "vomiting," which doesn't make sense, but okay. However, he did not present with a symptom of diarrhea until well after the effective date of the policy. We had to have some tests on him in June that came to almost $2000. First Embrace changed the wording of the claim to say "vomiting" so that they wouldn't have to cover it. After appeal, they went back and said that diarrhea was also a pre-existing condition even though they had paid or applied to deductible on previous claims. They did this based on a generalization for a report of findings from a one time visit to the lab versus all the notes I provided to Embrace from our dog's primary vet. I am not impressed with their ethics or customer service.

I completed all the paperwork and passed the preliminary wait period for my dog. When my dog had a $700 surgery after the standard waiting period, first they made my vet fill out two claims, because they said it wasn't detailed enough. Fine, but then they wanted me to go to the vet again to obtain records that my dog had visited the vet within a year, otherwise the surgery would be for a pre-existing condition (mind you, they were supposed to collect these records and contact my vet when I first signed up, and this is now the 3rd trip to the vet -- 1) drop off 1st claim form; 2) drop off 2nd claim form for more detail; 3) pick up copies of records.

I have had my English bulldog insured through Embrace for approximately 5 years. I have had one claim denied once. I emailed them to dispute the decline and they looked it over and agreed with me and covered it. They have been more than reasonable and very easy to work with. I would recommend them to anyone wanting pet insurance. It's not cheap, but in the case of a bulldog, worth every penny!

We have 2 dogs insured with Embrace. We had a different Pet Insurance before, and they were more expensive & higher deductible. Then I saw that USAA offered the Embrace Pet Insurance. On 19 May 2018 we had to rush our 12 year old Dachshund Sarah to the Emergency vet. She could not breathe. She been having heart issues & is on heart ** & ** and **. Unfortunately, she was not on enough ** and had build up fluid in her lungs. She had to stay the night. Lucky she pulled through. The vet bill was around $1060. This was our first claim. The vet filled out the forms I got from Embrace to do a claim, & faxed them over to the Pet Insurance. On 29 May we got the refund check in the mail; $725. I never expected to get a refund check so fast. Normally Insurances take a long time when they owe you money. I was very glad. I highly recommend them.

Buyer beware. I was skeptical buying pet insurance but was encouraged to do so by our vet's office staff. Our Labrador retriever had pancreatitis previously so of course I knew that would be an "underlying condition" that would not be covered which is completely fair. However, she recently got severe diarrhea, had to be hospitalized, tests came back negative for pancreatitis so not the same underlying condition and now they've completed denied the $1,450 claim. Even our vet was shocked. I'm cancelling.

I reviewed other pet insures and selected one. After contacting Embrace upon recommendation of my Auto Insurance, Geico I have been please with several aspects. Initial customer service has been excellent. Follow up by email and by phone has been excellent. I received a follow up call on Sunday afternoon in response to one of my inquiries. Embrace offers a 24/7 chat with a pet expert (appeared to be a vet, not sure about that). I chatted for about 30 minutes, all of my questions were answered, which was worth its weight in $$$$.

Very surprised at the negative comments. I have had Embrace for my Dog since she was a pup. Embrace has always been professional, kind and quick to respond. Two big claims we had that were 3,000 each were reimbursed quickly at 1,400 dollars. Never had an issue.

I purchased pet insurance when my puppy was 4 months old from these scammers. I didn’t put in any claims until she was over a year old. Once I put in my first claim all the nonsense started. I brought her to the vet cause she had diarrhea one night. Which is super common in puppies. All of a sudden they labeled her as having a pre existing condition of diarrhea. The next one was for a skin allergy. Again, took her to the vet. Submitted the claim, they wouldn’t pay because it was a pre existing condition. Again I purchased the insurance when she was 4 months old. There were NO pre existing conditions!! In the year and half I paid them and had insurance, I submitted well over $900.00 dollars in vet bills. The only thing they applied to my deductible was $7.00!! Can you believe that? What a joke this company is for pet insurance. Save your money and just pay out of pocket.

The company is all over the place. I already have ASPCA and I wanted to look into something different. I signed up over a month ago and awaited my medical review for my puppy (11 months old). The whole process should take 30 days but it took forever as they continued to fax the wrong vet number. I called in 6 times in 30-40 days and I even had people tell me they would "watch my account and call me back with details". I never got a returned call.

This company changed my pet's coverage after the first vet visit. I would recommend any other pet insurance company. This company does nothing but lie and take your money. Once you make several payments then you find out the coverage is different, so I've been paying them money since February, and now in June, they are changing what's covered. As a consumer, it was my right to know this information back in February before I paid my premium for five months.

Have had Embrace a few years for several pets. Also have had pet insurance from other companies over the years. First thing is that there’s no transparency. Other companies list the claim charges submitted and then list what’s been paid on each and what was excluded. Embrace just sends you a check with no info on the claim being paid— just a claim number. Neither is there any info on their site itemizing the amounts. Half the time, their website portal didn’t work for nearly a year, and even after that overhaul, it’s been mostly useless. It just tells you what a claim number was on a date and the name of your pets. I find this very dishonest. You have to dig out your own invoice copy and do all the arithmetic yourself. No thank you.

My experience with Embrace has been a negative one. Months of claims went unanswered until I had to contact someone myself. What's worse is that none of the "so called" covered issues and visits were actually covered. So I canceled my policy out of frustration for giving this company free money while getting absolutely nothing in return. That said, every single person I talked to from the very beginning until the last day, was very professional and extremely courteous and understanding of the situation. Definitely not a recommendation to anyone looking for pet insurance. I have proof of the 10's of claims that were denied for the years 2017/2018. (100% of them).

I was shocked when I saw so many negative reviews for Embrace Pet Insurance. I purchased a policy several years ago but didn't need to use it until this month when one of my dogs suffered from a torn ACL. The TPLO surgery cost just under $4000. Not only did Embrace pay all that I expected, but I received the money in less than 2 weeks from the surgery!!! On the several occasions that I've called, I've spoken to a real person who is both polite and professional. This insurance is everything that I hoped it would be when I purchased it.

I chose Embrace Pet Insurance in June 2017 for my 5 year old german shepherd. He had no history of any health problems except two ear infections, both caused by swimming too much in the summertime, and itchy skin from the chlorine water. It was my first experience buying pet insurance and probably my last because Embrace drag their feet from the beginning. I paid over $800 and they have yet to do a thing except ask for more and more paperwork, which has already been faxed to them, but apparently they toss it in the garbage and, months later, contact me again for the very same thing. I am so disappointed in their lack of coverage and the headache they have caused, and I feel duped. Today, after they are finally paying attention to my account, I have received three emails, two saying they are paying a very small amount for two of the appointments we made in August and September 2017.

I would not recommend this company. My dog has been with them for 1 year with no issues. They recently reviewed his "temporary exclusion" of an ear infection and although my dog met the 12 month requirement of being ear infection free. They are now claiming his ear cleaner is causing the "exclusion" to continue due to one FDA ingredient. My vet wrote a letter indicating the cleaner was not treatment, but preventative maintenance and they do not care - still excluded. Even though my veterinarian was VERY clear in the letter my dog had not been seen for an ear issue in over 12 months. They clearly will do whatever they can to find loopholes so they can exclude coverage. Would hate to see how they act when it comes time to pay a claim.

Do not waste your time or money. We signed up with Embrace based on the fact that USAA recommended them and USAA has always been great. Huge mistake and wish I had done more research on my own before electing to go with Embrace. Their staff is rude and must be much smarter than any vet out there because they claim to know more about medical conditions than any of the 4 vets my dog has seen. They even went as far as to say that one case of diarrhea and vomiting represents a pre-existing condition for when my dog was diagnosed with IBD a year later. Imagine that... one time being sick and a year later that one thing means your vet wasn’t smart enough to realize that a dog getting sick one time meant they had IBD that whole time. Do yourself a favor and don’t ever consider this company unless of course you are a fan of wasting your time and money.

I purchased Embrace insurance my dog Trooper. I have filed many many claims. I have spent over $10,000 on his medical bills. I paid $99 a month to Embrace and they have rejected EVERY SINGLE CLAIM. They have not paid me a penny back. I adopted Trooper as a senior. He was 11 years old. I took him to the vet and did a full profile on him: Echo, blood work, Ultrasound - everything and I sent the results to Embrace. I was operating in good faith that though his eye problem and his heart would not be covered any new illness would be. They gladly took my payments. They now claim that every unrelated illness is somehow preexisting. Save your money- this is a scam.