Embrace Pet Insurance Reviews

We had such a good experience with our first dog, who was diagnosed with both cancer and kidney disease later in her life that we signed up - no question- with Embrace a second time. They made filing claims easy, and came through without question.

I have had Embrace insurance for at least two years. Switched from another insurance company who has a good reputation, but I was not pleased with them. I keep insurance to meet the extreme needs of my dog should they surface, which recently happened as she has been diagnosed with Cushing's Disease. I value the ease which with Embrace makes reimbursements possible and am so happy I kept insurance for my dog as this diagnosis is quite expensive to treat.

I applied to pet insurance in 09/2021 after I had a pet who got seriously ill and passed away after 6 days in the hospital, and we had to come to come out of pocket for it. I never wanted to put my family in that position again, so when I received an email about Embrace through USAA, I didn’t hesitate to sign up my current pets. It gave me peace of mind that if something like this were to ever happen again, that we could financially support it with the help of Embrace.

Here’s my experience- purchased a plan for $107 a month for my 9 year old cane corso. Had my vet send Kaya’s health records so I would know everything they consider preexisting conditions. I had a feeling there would be a few things because she’s 9, but let me tell you- they got back to me 2 weeks later telling me that they won’t cover basically ANYTHING. See attached photos.

Signing up with Embrace Pet Insurance has been a great experience for me. I have 2 dogs on an Embrace policy since they were 1 year old (now almost 4). Embrace has paid out as promised on several occasions. You just have to do your due diligence and make sure you supply them with all the information they ask for, such as all your pet records over the previous year when you sign up. Having Embrace Insurance has given me so much peace of mind that I won't get stuck with a huge vet bill or not be able to give my dogs the care they need. Highly recommend!

Embrace and their staff is beyond phenomenal. They assist you in every step to make things simple and easy. Their App is very easy to navigate and submit claims without having forms to be filled out at the vet office. Embrace works hard to get claims completed and accurate in a reasonable amount of time. Thank you Embrace!

Unfortunately, I have a sick dog. I have to submit claims regularly for medicine, and sometimes big claims for procedures. It's a LOT of money out of pocket. The claims are handled quickly and the checks are sent out quickly. I have 4 rescues; I know...it seems like a lot of money to pay out every month, but believe me...if you end up with a chronically ill critter, or even one that just gets sick/hurt one major time, and do not have insurance, you will be very sorry. If I didn't I would have had to put her down simply because I would not have been able to afford it. My cats are 8 years old now...never filed a claim, but, odds are I will have to at some point. I'll never go without this insurance as long as I have any pets.

My husband and I adopted our dog in October 2021 and the first thing we did was apply for pet insurance. Embrace's platform is easy to use and their customer service is amazing! The claim process has always been smooth. Honey, our dog, had her first surgery and they were able to pre-approve her refund ahead of time which saved me a lot of stress. Any pet owner I know I will recommend Embrace!

I have been a customer of Embrace for nearly a decade, and luckily have never needed to file a claim. After my dog became suddenly ill, my regular veterinarian recommended he go to an ER vet which was quite expensive. Beyond the emergency visit, my little dude required follow-up testing, because his condition may be lifelong, rather than acute. Submitting my claim was extremely easy, and I received reimbursement within a week or two. I work in the legal field, and have a lot of experience with insurance agencies, and I have to say I am impressed! Thank you embrace for not making me regret the monthly payments for all those years!

Sadly, I had to put my pet down and I was too distraught to begin filing claims right away. I was worried it would be a tedious long process as I had several claims to file. Surprisingly It was quick, easy and everyone was so compassionate. In the future I will definitely be purchasing pet insurance only through Embrace. I highly recommend.

I really wanted to give them a good review; however after the last couple of days dealing with them, I can only come up with 2 stars.... and that's because my first few experiences with them were fine. I understand everyone is slammed these days, but I tried contacting them one day.. Held on the phone for over 30 minutes and then tried again and held for 40 minutes without success. Then I emailed them with No response and it's over 48 hours later. Their excuse.."because of high volume, we can't answer your emails....

I'd choose another pet insurance option to avoid having to try and fight every claim you submit. 6 out of 7 of my claims have been in denied for all the excuses ~10 months with the company. I'm not sure the Claims and Underwriting Director is qualified for the role. (Veterinary Technician to Claims Adjuster for one year then Claims and Underwriting Director per her LinkedIn and holds a bachelors degree in biology...?) Good luck fighting your claims.

I have had a policy was Embrace Pet Insurance on my dog since 2012. I have been submitting claims for Clyde since he was enrolled, never to have one denied. His claims have included multiple visits for infections, fevers, cellulitis. As a Veterinarian I am able to get a lot of my pets' medical care for discounts. This along with a premium spike caused me to drop insurance on my other dogs several years ago. I kept Clyde's insurance because he had an extensive medical history that had always been covered, so it was worth keeping the insurance.

Amber is fantastic. She responded to my claim promptly upon receipt and gave me clear expectations of the claim, my policy and the timeline. When the necessary report arrived, she reviewed it promptly. I believe my total claim time was less than a week. Have already recommended y’all to several friends! Thank you so much!

I ended up paying them $90 a month and then wellness was tapped out on regular things like shots before my dog's neuter came up. I ended up cancelling with them after the neuter and they sent me a bill for the rest of the year... for the next 6 months of wellness. They sent me an email saying I could pay in one large lump sum or they would send me to collections. They sent me this note on a holiday. I cancelled a little after Christmas. Here it is, almost two weeks later and they jump the gun to send a notice out like this. I have never been sent to collections or received a threat like this. It is unethical for them to cancel and not tell me they would be charging me for the next 6 months. To send out a threatening email like this, two weeks later, lets me know what kind of company they are.

My dog Sandy was attacked by a pitbull and I took her to the Vet, and $1110.00 later, I submit my claim, and I was not given any hassle about it. They never questioned the claim, nor did they ever do anything but pay it, and on a very reasonable and short turnaround time. THANK YOU!

All refunds were pay on time. App worked excellent. Always the insurance responded to my questions clearly. Unfortunately my cat continues to be sick and the premium finished and is very hard to continue with my cat hospital spend!

We have two dogs and have had this insurance for two years. Premiums run us around a thousand a year. So far they have not covered anything. One excuse after another. Be cautious of all these great reviews.

We love our pets, currently have a 3 year-old Black Lab, Stella. Couple days before Christmas she started drooling excessively, knew something wasn't right... Zipped her over to MedVet and they treated her and got her back on her feet in 24hrs which was great as we had a 12hr drive to Grandma's. Knowing we had Embrace also meant it wouldn't hurt as badly. While I'd rather not ever use it, it happens and it's good to know you have our backs and four footers. Thank you!

Embrace Pet Insurance is great! Highly recommend! As a dog mom of two Frenchie Girls, I want to know that I can keep my girls healthy and happy. Embrace makes caring for both of my girls easy and stress free. The online claims process is easy, quick and convenient!

Embrace somehow qualifies SYMPTOMS like diarrhea and vomiting as “conditions”. So, it doesn’t matter if different issues cause the same (in this case) pre-existing symptom, Embrace won’t cover the actual condition, even though the condition itself was not pre-existing.

My dog passed away suddenly from an undetected cancer. Embrace denied all of our claims as pre-existing conditions, saying that previous illnesses were evidence. This is despite our own vet's comments to the contrary. The claims process took two months as we went back and forth with Embrace digging through every last health record from anywhere she had been seen. This is a company that will work hard to find a denial reason for any large claim.

I greatly appreciate how streamlined you have made this process. The uploading of documents and doing everything on your website makes it so easy. Unfortunately, I have had a lot of claims lately but you have made a whole process about as easy as it gets! Thank you.

After our Shadow had a major injury to his neck we took him to the after hour pet emergency & transferred to UF Small Animal Hospital during the Thanksgiving holiday weekend. As soon as he was released from the hospital we submitted the invoices over the weekend and payment made to cover all of his medical expenses within just a few days. We were so surprised at how quickly the turn around for payment was made. Thank you!

I submitted a claim for our small dog who had been out of the ortho waiting period for a year. She was seen by the vet for a possible back injury when we found she may have liver issues as well. After having my claim for weeks, I get an email saying embrace needs an additional 30 days for document review. The turnaround time on expensive bills is horrendous - especially considering the additional costs we keep occurring but am not skeptical to even waste my time submitting.

Embrace has always communicated clearly and responded quickly. I have never had to follow up on or deal with any issues involving reimbursement. They don't clutter up my inbox with marketing chat. I recommend this pet insurance company.

When originally signing up the person I worked with to explain the policy was very nice. At the end of the conversation I thought I had a clear understanding of what was covered vs what was "wellness". She also did not explain there was a deductible to be met. I made sure the sales rep knew that I had no previous hx other than what I was given from the adoption center, and that she was only 6 months old at the time of application and no vets were available to see her beyond that. They were all booked up and we had to wait. She hadn't even been spayed yet. She assured me this wouldn't interfere.

I was very satisfied with Embrace Pet Insurance. Submitting claims were easy. Reimbursement on claims were quick. They were fair and had available customer service, if needed. I would recommend this pet insurance to anyone thinking of becoming a pet owner. Having pet insurance can help save the life of your pet.

Embrace is a great insurance company. I have two dogs insured under Embrace and one dog broke his leg and Embrace covered a great deal of the cost. They always respond quickly to my claim submissions and I’m always pleased with the amount that they cover. It’s been a great investment for my fur family.

Being a pet owner for some is just about having an animal to satisfy a child's whim or a spur of the moment decision brought on by the random cuteness of said animal. For others, pets are just as much a part of the family as the humans who are allowed to share the house with them. Caring for those pets is paramount to these owners. Finding the RIGHT "Pet Insurance" is vital because it gives peace of mind when those unexpected emergencies arise or general care of your fur baby. EMBRACE PET INSURANCE - is the absolute BEST! The Customer Service Reps are always quick to respond to questions and find answers. Claims are handled quickly and deposit refunds directly into your bank account within a few days (if that's the option chosen). There are multiple plans to choose from as well. I recommend EMBRACE PET INSURANCE 100%.

We started with Embrace because USAA provides a discount, and we have stayed with Embrace for 8 years because they are amazing. Their new app makes filing claims super easy and I don't have to rely on the Vet to do it anymore. They review and pay claims timely (within just a few days). Recently, we had a very scary emergency. I had questions about coverage and limits. When I called, the Embracer was so kind, empathetic, and knowledgeable. He even got me to laugh a little (unintentionally) and that was a stress reliever. I am very grateful for their high quality customer service. As our dog has gotten older, the premiums have increased, but it has been worth it to have a "major medical" policy to rely on.

I submitted a claim for dental work for our pup. I truly appreciate the thorough and thoughtful explanations. The willingness to share the detail of the determination makes other insurances both pet and human unimpressive in comparison. Very satisfied.

It has been at least 5 years since I had to do a claim for my beloved Bella. This last month has been so hard and happened so quickly. She suddenly went from a rear leg limp to amputation of the leg due to bone cancer. Embrace has eased the stress on us by providing fast, simple and efficient claim processing. The premiums are a bit more than others, but when we needed you way back in time and again now, you have come through for us. Bella is doing well on 3 legs and went out for a walk today. Both of us having a joyous time. Thanks, Embrace.

I agreed with Embrace on the pre existing conditions of the cat and that no payment would be issued. They did pay for the specialist at 80% after deductible. They were courteous when I called and answered all of my questions. They were very patient with me.

I've used Embrace for more than a decade, and premium increases have been modest; service has been good. However, I'm shocked to see a greater than 50% increase this year, now that my dog is 11 and has her first health condition. Seems this is great insurance when you don't need it.

My dogs are currently 12. I got Embrace policies for them as puppies, because I wanted them to have coverage when they were older. Embrace did allow me to see any vet and did pay the claims. If you are looking for pet insurance for a puppy, hoping it will carry protection when they are older, Embrace raised the cost of the policies such that it would cost $1,000+ more year per pet to have pet insurance, on a max claim, than to not. I didn't catch this earlier, the higher premiums started when they were 9-10 but I didn't pause to do the math. I regret not going with a different pet insurance company from the start and want to warn others who are shopping for insurance for puppies. They told me it is not based on health conditions or claims- simply the age of the dog, breed of dog, and zip code.

When it came to submitting my claim the help I received from was accurate, fast, had me relieved that my little boy was going to be taken care of and so was I when it came to the reimbursement. I couldn’t be any more thankful for your team/company's help. I will recommend anyone I know that has USAA and is getting a pet or has one.

I’ve been a happy customer of Embrace since 2014. They’ve always been super fast in claim settlements and their customer service is superb. Highly recommend them. I have peace of mind that in an emergency I don’t have to worry if I can afford the care my furry family members need.

9 dogs. 9 dogs I carried on my policy with more coming up to add. I transfer ownership in the past and have no issues. I do it again and get asked if I am a breeder then suddenly no longer allowed to transfer ownerships on my dogs. Really not happy and now makes me reevaluate with what company I spend my money. You are not the only insurance company available. And when my puppy people, fellow breeders and the members of the 3 different dogs clubs I belong to ask me who I use and why, I will have my experiences to draw on when I answer. Perhaps you'd like to discuss amongst yourselves how this really may not be the best move in your policies.

After adopting our 3.5 year old Labrador, Cassie. We knew that we would be wise to get pet insurance for her. As we use the USSA insurance company for our home and autos, we knew that if they recommended Embrace, they must be a great company. So far we have been very impressed with the customer service that we have received from Embrace. Thanks so much!

I am so happy that I have Embrace! They make it so easy to file a claim, help you understand everything, and the prices are beyond reasonable. In addition, their customer service is impeccable and after any conversation that I have with one of their representatives, all my questions have been answered and my mood is lightened as you can tell that they really care.

My beloved pup, Jax, had chewed up a mechanical pencil and swallowed part of it. I took him to the vet where they treated him. Embrace was wonderful and quickly reimbursed me for Jax's emergency care. I am very pleased with how the transaction went and how quick Embrace was to issue a check. I have used this insurance a couple times this year and couldn't be happier with the customer care. Thanks Embrace.

The customer service at Embrace is above reproach! The service reps are always professional, courteous, and helpful. The policy prices are fair and competitive. Every time I reached out to Embrace for assistance they have always had the answer to my inquiry. Thank you Embrace.

When I started with Embrace 7 years ago they were great. I have witnessed the most dramatic downward spiral a company has ever taken. Filing a claim is easy. Getting paid is almost impossible. They should be called stonewall pet insurance.

Our dog had an emergency and ended up requiring a two night stay in an emergency hospital. The submission process for our resulting claim could not have been easier! It was processed quickly and efficiently and the payment arrived in record time.

I absolutely LOVE Embrace Pet insurance! If I have a simple question, I can just call and usually get a very quick response, with an actual human being!! (No phone tree here!) I have 2 Australian Shepherds and my vet bills can be very high at times. But I never have had to hold back on getting them the treatment that they need because I know that I have an excellent insurance plan with Embrace, and that I will get a certain percentage of that money back. Also, they have updated their site, so now you can submit claims directly online and receive your insurance payment through direct deposit. Easy, peezy!

Everything about my experience with Embrace has been topnotch! From my initial conversation with customer service to see if it was a good fit through the entire claim process. The staff is very friendly, highly knowledgeable and knew their products and services very well. The claim process is extremely easy and fast. I have had to submit multiple claims and am beyond grateful that Embrace has my back. It has given me a sigh of relief and a sense of security knowing that my dog is covered. I also really love the option of the preventative coverage. Having a puppy initial vet visits, immunizations, spay/neutering are all covered. As well as, emergency, dental, prescriptions and things like acupuncture. I never thought I would want or need pet insurance but now I’m so glad I have it and I could not have picked a better company to go with then Embrace.

I have had Embrace pet insurance for a pet in the past and now my corgi. I previously had another pet insurance with a past pet that did not cover as much and was about the same price. Embrace pet insurance has always been amazing to me and my animals, from customer support all the way through coverage. One large incident I'd like to bring up is that my corgi puppy recently had an accident and NEEDED orthopedic surgery on her metatarsal and tarsal where they'd put a plate in and fuse bones. The accident happened on a Thursday night, Embrace gave us pre approval for a $5.5k surgery by Tuesday the next week and she had surgery the next day.

Embrace Insurance is the way to go for your fur baby. My puppy Stella ate raisins and became very sick. She had to be hospitalized for 48 hours. Embrace treated us like family members. My claim precert was pushed through expeditiously so I knew exactly what my out of pocket expenses would be.

Conditions such as a 1x episode of diarrhea mark your pup with a “preexisting condition” for which you will receive no coverage if they have diarrhea in the next 12 months. Puppy with diarrhea is not a preexisting condition. Will not continue with Embrace next year.

I recently needed to submit several claims regarding my cat who has experienced recent dermatology issues. I was pleased that the claims were accepted and after meeting the deductible, found that the claims were covered at the expected 90%. The response time was very quick.

After hearing from other dog owners I know that they recommended Embrace for my puppy, I did a little research on my own. Everything I read backed up their opinions. Then I discovered that my long time insurance company, USAA, could offer me a discount as well! Win, win! Unfortunately my poor pup did end up requiring surgery. Embrace was very thorough about going through his health records, which took some time, but that is the way that it must be done to prevent fraudulent claims. Ultimately our claims were covered, and Murphy is getting back to his best self! Thank you Embrace! Definitely recommend!

It took a bit longer to receive my payment but I think it had a lot to do with the ER that we had to take my Logan in to see. The ER kept telling me that they sent the paperwork that I needed to Embrace. Actually one of their amazing employees named Colleen finally helped me & called them to get the information needed & we got the claims approved & in our account within days! Colleen is a asset to your company. Thanks to everyone in the back area for helping me as well. Logan thanks you as well!

This company is wonderful!! First time having pet insurance, they make it so simple and easy to understand and file a claim. We were also impressed with how fast they settle ea. Claim. Highly recommend 100% if you are looking to insure your furry friends!!

I am very disappointed in this company. They have failed to unlawfully cover a surgery, so I will be cancelling my membership at the end of the term, pursuing contract review and assistance with my team, and I hope that if you're considering them for long-term, emergent coverage, you reconsider. While they are willing to cover small costs, large costs are definitely in question. I also can't believe my husband's USAA account refers to this company.

Our puppy Boston was bitten and or stung by something in our backyard and had a severe allergic reaction resulting in swelling of face/body and difficulty breathing. He was rushed to ER and subsequently taken care. While we were thankful Boston was ok, it was also very comforting and reassuring to know that his hospital visit bill would be covered by our Embrace Pet Insurance policy. We were able to file for reimbursement online, hassle free, and reimbursement was directly deposited in my bank account in days. Thanks Embrace!! Come here.

When I got my pet insurance through this program, I was informed that his skin allergies would not be covered, as they were pre-existing (as I knew they would not be covered). However, one year after being covered, he simply got an ear infection, and they denied coverage, as they said it was allergy related. All of my former pets got ear infections about once a year, and none of them had allergies. They automatically assigned his ear infection an “allergy related ear infection” (even though the vet did not say this was allergy related at all). Therefore they did not pay. I’m very nervous moving forward with them, that they not pay for anything with this dog, as they will link anything to “allergy related”! :(

Embrace has been a wonderful company to deal with. The representatives who answer the phone are always extremely pleasurable to speak with and always helpful and friendly. I volunteer for SAVEALAB rescue and when I do the phone interviews I always tell them about Embrace.

Quick response when seeking reimbursement after my pet's injury. They contacted the vet when needing extra info., and resolved my case very quickly. I was very appreciative of the way they kept me updated as to where they were in the process before they were able to send me a check.

The first time I’ve used Pet Insurance. My puppy ate a peach pit and had to make 2 vet visits for emergency services. The insurance gave me peace of mind, knowing that I will receive reimbursement for some of the cost. The app very easy to use and reimbursement check arrived soon after.

Why is Embrace refusing to pay my claim without information that doesn’t exist (medical history before we adopted her), and giving me the runaround on why I haven’t been compensated? My cat had to get emergency care, and we found out it resulted from a gastro blockage caused by synthetic material. It’s impossible for it to be a pre-existing condition, but you still want proof. Just pay my claim.

My cat recently had a bout of bad luck ending up at an ER, Urgent Care and several vet visits within a week. I submitted all the claims to Embrace -which was really easy-and in no time had my refund! I highly recommend them! Great customer service, easy to get ahold of and quick, efficient service.

It is wonderful that Embrace offers Wellness coverage in addition to illness/accident insurance. If you are proactive pet parents and would do anything for your fur babies, then you can't go wrong with Embrace. The claims have been processed extremely quickly, and they are fair, kind, and compassionate.

I have been with Embrace Pet now for 6+ years and they are amazing!! You can quote your own policy and they will answer any questions you may have. Sometimes just listen to you vent... They do their best to cover as many items as they can in a very timely manner. You can go to any vet or surgeon you choice!! What a Plus!! I recommend Embrace to all my friend and strangers that I run into that have pets!! A great company overall...

Embrace has been a godsend for us. Our first Vizsla passed away from Mast Cell Tumor and our Husky Lab recently passed away. Embrace has been there for all our medical needs. They are efficient and fast, but most of all, understanding. If I needed a question answered, they've always been responsive. I would highly recommend Embrace Pet Insurance.

Claim went through quickly. Filing the claim was easy and effective. I may have a problem getting the check as I live in a rural area and USPS does not deliver to house only PO location. Sometimes they return a physical address, sometimes not. At this time I have not received a check, my fault. Changed method of reimbursement to Direct Deposit as of today. *****

When dealing with the representatives of your company, I have always been treated with such kindness and respect. They are helpful, compassionate, and kind. After dealing with VPI pet insurance (whose representatives were cold and frankly, rude), I was hesitant to looking into more insurance companies...your company is simply wonderful. Thank you for caring. It means a lot.

I have been real happy with Embrace Insurance so far for my one dog with the exception that the rate increased 34% the second year we had it. Claims can easily be done online and is very efficient. We got insurance for our new rescue lab because two previous purebred labs blew out all of their knees and we paid for 3 surgeries. Thankfully after a complete physical our little rescue lab got a good orthopedic exam and clean bill of health. Even though the rate went up a lot, it's nice having the peace of mind that she is covered.

I love Embrace Pet Insurance! I have only had 2 claims with them and they were both fairly substantial: both claims were paid quickly and easily. And if you call them, every single person you speak with is so friendly, knowledgeable and most of all, kind. Thank you Embrace!

What I really like about Embrace is how seamless is the experience. You just upload your receipt and the money is in your bank within a few days. It takes me less than 5 minutes to file multiple claims. All medical claims and medications are covered. I would highly recommend Embrace to everybody.

The representatives are always pleasant to speak with and very helpful. Any question you have is not a problem for them! And they also give you feedback so you do not feel as if you are being forgotten or let in limbo. I tell all my friends with Pets Embrace is the only way to go! They love our babies just as much as us.

Our dog required emergency GDV surgery that involved two different emergency facilities and an extra night stay in the hospital to recover. I submitted the claims within days, and the claims were processed impressively fast. We received a check for payment within two weeks of the surgery date and have been very pleased with how easy and quick the process was. Only one item was not covered as it was considered "preventive" - which seemed odd given this was an emergent situation, but the cost of the item was low enough that it wasn't worth worrying about. Overall truly impressed and happy. So glad we have this insurance for our dog.

We got the insurance for our two dogs and we were paying over $130 a month which was fine because we love our dogs, but literally every time we made a claim there was a reason they wouldn’t pay it (We made two claims. One for each dog). Our first one was an orthopedic surgery where they said she had to be on the insurance for At least 6 months so we were like “okay that makes sense so people don’t take advantage of the insurance” and we paid our $6000 surgery out of pocket.

It's very easy to file a claim with Embrace and they get back to you immediately. It's only a day or two before you know the status of your claim. I've recommended Embrace to pet owners while in my Vets office.

I researched pet insurance companies before choosing Embrace. They had the best rates and good reviews and my vet had a person who had a good experience with Embrace. Sadly, I did have to submit several claims for my sweet older cat that I adopted last October and it’s been very helpful receiving timely claim payments. I recommend Embrace.

I am a relatively new client with Embrace, but have experienced a few issues with one of my dogs. Embrace has been responsive and timely in approving my claims and helpful when I have had to call. I am very pleased at this point.

I had to cancel my plan for my pet because the monthly premiums went up significantly in the two years I had her enrolled. My rates went up almost 50% even though we only had a few small and inexpensive claims. It was very upsetting because otherwise I really liked the experience. The website was easy to use and the coverage was good. You really should let people know when they enroll to expect their premiums to increase significantly, or even better, don't increase the premiums so much!

My Lab was bitten by a Copperhead snake and was rushed to the vet, she received the anti venom and stayed overnight. I downloaded all the info and sent it to Embrace...within 2 days a check was mailed! I can’t say enough about my positive experience with them!!

Filing a claim with this company has to be one of the worst experiences someone can go through, other than losing their pet. I was denied over and over for claims and appeals despite having numerous vets send in letters supporting my claim. It took me getting USAA involved and speaking with the director of claims at Embrace (who was snotty and condescending) to get my claim covered. They admitted they didn’t do a full review of my claim for my appeal which delayed everything. They even had the wrong diagnosis listed. No one would listen or they didn’t have the power to make a change. Try and stay away from them if you can.

I needed clarification on my recent claim on the amount deposited into my checking, and Embracer Brenne explained it all to me. All the Embracers are always so helpful, and always resolve the problem whatever it may be.

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

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

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

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

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

My cat had to go to the vet multiple times in a month and a half time frame for the first time in his life for a urinary blockage that came back 3 times in 2 weeks. This resulted in multiple overnight stays and tons of money. Two weeks ago we had the corrective surgery and Embrace covered each and every procedure to 80%. I would have ruined my credit without Embrace. After the initial claim where I had to submit his whole health record, things came very quickly. I tell everyone I know to get this protection for their pet.

I needed to adjust the wellness benefit for Tess and Gunner and add our new puppy. I couldn’t do both in the website but Sarah helped me get it done, giving me several options and prices for each change. It was a very nice call and couldn’t be more happy with the service I’ve received at Embrace.

Embrace has been true to their word in providing health insurance for our Great Dane. The dog has had several health challenges in the past 4 years, and they facilitated reimbursement for those claims. I recommend them highly.

I’ve been really impressed with Embrace more so than pet insurance companies I’ve used in the past. Response time is extremely fast. Less than 1 week from filing claim to receiving check on my last claim.

I had to take my pet Tanner in for an emergency ear and stomach problem. He required test and prescriptions totally over $500.00. My claim was approved by Embrace and will only $41.00. That is ridiculous. I sent an email wanting to discuss this issue and even left my phone number. No call from a representative of Embrace. I will most probably cancel my insurance and cover the expenses out of pocket.

I was uncertain whether the Wellness Program would really be beneficial for me and my dog. After speaking with the very professional and knowledgeable customer service rep, I knew I needed to get on the Wellness program. I so appreciate a really great customer service rep who knows their business and to get just exactly the right package for their customer.

We just adopted a 9 month old Labradoodle. In the past we had pet insurance so we thought it prudent to cover Lola as well. I checked with Geico, my Insurance carrier, they recommended Embrace. I went online to research them, but had some questions. An Embrace employee Katie called me and ascertained my needs, connected me to Catherine who answered my questions and set us up on a recommended policy. Very efficient, Thank you, both women were great. John **

Our dog (a young puppy) had taken a bad jump and ended up with a complicated surgery (implant pins on growth plates in the femur). We ended up with large bills amidst having to care for a recovering puppy, so time was of essence. The process with claims processing was just about perfect: efficient, clear, simple, quick (<2 weeks total), no wait time on the telephone queues, all explanations were given by emails, the staff was perfectly patient (I was stressed and was likely NOT the most cordial customer at that time) with all my questions. We now have a perfectly healthy puppy again, very minimal out-of-pocket expenses, and we hope to remain customers for many happy years.

I processed an application for one of our pets to have insurance, however I had a couple of questions that needed clarification. Both customer service people I spoke with at different times were very helpful in answering my somewhat convoluted questions and they did so splendidly.

My experience with Embrace was great! I got to them via USAA and their service was so good!! Also getting the Pet Insurance quote and signing up on line was very easy and user friendly! I would highly recommend this company if you are looking to insure your furry friends!

Embrace Pet Insurance is very transparent and coverage is clear and concise. We had our first claim with our dog Bailee. After a review of her medical history our claim was paid. There were no surprises.

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.