Embrace Pet Insurance Reviews

We are so glad that we made the decision to insurance our dog Larry’s health care through Embrace three years ago. The company has been responsive and extremely reliable in providing claim coverage and prompt reimbursement. We could not be more satisfied and highly recommend Embrace to all pet owners.

Embrace increased cost for coverage by 43%. Our dog is 3 yo, perfect health, regular vet health checks, no claims. We understand cost increases but 43% is outrageous and a disservice to a loyal consumer. We signed on with a competitor for better/more coverage at 1/3rd less cost. We do not recommend Embrace.

I have not filed a claim, and hope I will never have to, but as far as the policy itself it covers all of my concerns. I called twice for help in setting up my account and got great customer service. Also, the policy through USAA is a great price.

I recommend Embrace pet insurance to anyone willing to listen. :) I have had nothing but positive customer service experiences. The claims are easy to submit and reimbursed via direct deposit if chosen. We had to put our one dog to rest recently and I was presently surprised when I received a hand written sympathy card printed on special seeded paper. Once the weather warms up we will plant the seeds in her memory. Thank you embrace.

My dog is very healthy pup. This year she had a skin irritation and when the claim was submitted, they declined it because 10 months ago she had an ear infection. Really??? According to them, ear infections are caused by allergies therefore they won’t cover it but after a year. I’m sorry but that doesn’t make sense to me. I’m wondering what else is not covered because an ear infection.

My young dog has had a lot of health issues unfortunately, and some of them required extensive blood work and medication. We’re finally getting closer to solving the issues, and I’m very grateful to Embrace for how easy they made the claim reimbursement prices. The turnaround is almost immediate which speaks to their outstanding customer service. We’ve been very concerned about our dog and Embrace has helped relieve us of any stress associated with the claims process.

We lost our pet Rose and Embrace not only helped with claim, but all of their employees cared and had compassion for us. We are getting a new dog, a corgi, and there is no place I would ever insure our new pup with other than Embrace. If you want the best pet insurance look no further.

When getting pet insurance the small print matters. The 6 month waiting period for ortho is one of those pitfalls. No one knows when a dog may have an issue so why wouldn't a reasonable company cover that day one. My dog had 3 teeth pulled because of an infection yet they are running me over the coals because 5 years ago my vet said he had some plaque on his teeth. My vet had to write a letter stating that observation had zero to do with the ailment requiring the teeth to be extracted. I think most of these companies hedge their bet but are unclear about how they decide on claims.

I have been a customer of Embrace for over 18 months and have submitted 3 claims for my Goldendoodle. I am very pleased with the results thus far and have no intention of leaving Embrace as a customer. Highly recommend their products and services! Their customer service is outstanding as well. A+++

Missy had an emergency major surgery, and very expensive. Your respond was fast and help us in a time when extra expenses are not in our budget, sadly she lost her uterus and ovaries. At 2 years, very young and we had hoped to breed her once.

Embrace does a very good job of dealing with Daisy's vet bills quickly and efficiently. The online process is easy to do and Embrace reacts quickly after submission. Daisy is especially happy because we use some of our refund to buy her treats.

When I adopted my dog at 5 months old, I knew I wanted pet insurance for her. I researched several options and decided on Embrace. My dog is in very good health but does have some allergy issues. She has had to take some medications and Embrace not only covers them but pays me back very quickly. In addition, she had an abscessed tooth and had to have dental work done and Embrace covered a large part of the cost. All in all, I am extremely happy to have Embrace Pet Insurance.

My 3 year old Beagle was recently diagnosed with IVDD and went from perfectly healthy to needing a $9000 surgery within a week. We were able to get him that surgery without a moment's worry about the financial aspect because of Embrace. We got the reimbursement within two weeks of his surgery and he has been doing great.

I have had this service for almost a decade and it has been great. It has helped save Muffie's life many times. I have never had an issue with them and when I call to speak to them they always provide excellent customer service. I recommend Embrace to anyone who loves their pet.

My dog Coco was diagnosed with EPI, a chronic condition that is treatable but has no cure. The condition is fatal if not treated. The Rx medicine is $500 per month to keep her alive. Since I insured Coco from birth continually, Embrace has covered 80% of the medicine cost for over one year. They did not raise my rates due to the increased cost. Fantastic!

If you’re considering pet insurance from Embrace have an expectation that you will be immensely frustrated, feel as though you’re being interrogated instead of assisted, and have to hold the hand of every single person you come in contact with. There is absolutely no reason whatsoever to do business with these people. They are absolute robots who have no ability to provide clear, concise, or accurate information at any stage of your claims process. Both vets that we use had warned us that Embrace is the worst pet insurance company that they deal with and that they have to constantly re-send medical records for their clients. Avoid the frustration and see pet insurance from anyone else - I’d be shocked if there is anyone worse.

I am very happy with my choice of pet insurance through Embrace. They have been responsive and very informative on all of the claims I’ve had to submit on my animals. I have recommended them to many of my coworkers, friends and family and will continue to do so! Keep up the great work in providing us great benefits for our fur babies!

I have looked around for insurance for my two bullies after terminating insurance with another company. Embrace makes it easy to create your own deductible/reimbursement and the claim process could not be easier. I recently went through a series of claims and it was a breeze. Highly recommend this company.

My dog has many problems and Embrace has covered my claims with no questions asked. The submission process is so quick and easy anyone can do it. They provide a response and a refund in just a couple of days. I am very happy with this insurance and so thankful I went with Embrace.

I have been a customer of Embrace Pet Insurance for 6 years. This year they are trying to raise my premiums by 59%! I'm not kidding. My dog is very healthy and young. I submit, at most, one claim per year and it's just for his annual checkup. He is a very low risk dog to insure, yet they claim this is a reasonable year over year increase. I've spoken with Embrace and they offer me no alternatives but to fire them and find other coverage. Embrace is a massive rip off and I'm filing a complaint with the Consumer Affairs dept in CA and with the AG's office. These insane business practices have to be stopped by us, the consumers. Companies, like Embrace, can't be allowed to get away with this stuff and all pet owners should be able to affordably care for our loved ones!

I originally purchased Embrace pet insurance for my dogs when they were puppies. Just before the 1st birthday of my chocolate lab he was diagnosed with seizures and a couple years later he was diagnosed with Addison's disease. Addison's requires a monthly injection that costs about $140 every time and the seizure med is about $100 a refill. Embrace quickly reimburses me for these charges. It is super easy to submit claims.

Whenever we adopt a new pup we always arrange insurance immediately. We have used other companies with previous pets but we decided to go with Embrace because of their coverage and the endorsement of our insurance company, USAA. We have been extremely please with their responsiveness and coverage over the past 14 months - highly recommend. We have been through the renewal and it was a minor adjustment unlike the large annual increases we experience with our other dog that is insured by another carrier.

My husband and I lost our beautiful, sweet German Shepherd named Grendel on January 11, 2024. He had been a very healthy and happy boy all of his life until January 3, 2024 when he was experiencing lameness in his left hind leg. He needed to have an MRI to make a full diagnosis. Sadly, he became totally paralyzed in his hind area and needed to be catheterized and we had no other option than to help him cross the rainbow bridge. When we submitted our claim, the staff at Embrace Pet insurance were extremely kind and compassionate as we went through the process of putting in a claim. They went above and beyond by sending us a sympathy card that was embedded with flower seeds to plant in the spring in remembrance of our Grendel.

Customer service representative answered all my questions promptly and assisted me in getting my account setup and even linked to my bank account for quicker reimbursement. Very professionally took care of my concerns. I did appreciate the fact that I did not have to wait for a customer service representative to pick up and talk to me. I actually got to speak to a person promptly.

You know I got recommended by our friends to use you guys. There are options but we chose y'all. My only issue is that claims take little too long. It should not take around a month to be done. When I had a deductible you guys were fast but when I paid my deductible for some reason it just feels like you guys take forever. I want to recommend my peers to you guys but it's getting really disappointing.

I have always been pleased when submitting a claim with Embrace. They are prompt with processing and someone is always there for communication. The website for submitting claims is user friendly. I have been with Embrace for many years. I would recommend this company. I appreciate Embrace Pet Insurance. Thank you!

I got the Accident and illness coverage through Embrace insurance for my dog when he was just a puppy for around $30. Now my dog is about to be 5 and it went up to $64. I called wondering why it had gone up and they told me it's because of his age. Get this though, I never have been able to reap the benefits of his insurance since he thankfully hasn’t had any accidents or illnesses. I never got money back, they only told me that since he has been in good health the deductible was dropped. Thanks I guess?? With the amount of money I spent these past 5 years paying for this useless insurance, I could’ve easily used that money to pay for his veterinary bills. Thankfully I switched to another pet insurance which gives me accident and illness coverage AND vaccine and dental coverage for only $34!!! Save your time and money and if possible switch to another pet insurance company!!

I have an 8 year old Labrador, who is insured with his brother, from the beginning of their life. I've paid close to $4,000 a year for two. A lot of things were not covered until now. You cannot change insurances because things become preexisting illnesses, and will not be covered by a new insurance. So, make sure you like your experience or you'll be out of luck!

I’m a vet and naturally well aware at how high veterinary bills can climb when treating pets with complex cases. Embrace is my go-to recommendation because the customer service is excellent and they cover bilateral conditions. This means if your dogs tears a CrCL in their knee, usually the other one is not far behind and they will cover both! Many pet insurance companies do not- leaving you with a tough decision or an expensive vet bill to pay all on your own. My lab mix Haka had his CrCL torn and Embrace helped us out with surgery costs as well as rehab costs to get him back into shape for long distance hiking again.

Seamless process submitting claims using Embrace online app. Claims are processed quickly and if you set up direct deposit it’s in your account ASAP. Very happy with our coverage with Embrace. Good people. Caring company. Highly recommend. They have been there for our two cats through more than a few medical issues. And always very supportive and fair.

I have had Embrace insurance for 13 years. My dog, Milo, passed 3 years ago and I am so grateful I had Embrace insurance for him. He had epilepsy and juvenile cataracts. His treatments were all covered and quickly reimbursed, giving us peace of mind. Embrace has been great with my two other dogs. Such great customer service!!! Love Embrace!

I’ve had pet insurance with Embrace since 2015, covering several dogs with varying issues over the years. When faced with a life-threatening condition, I could focus on getting my dog well and not the vet fees. Embrace has been phenomenal all these years. Claims process is fast and simple. Policies can be customized to fit each situation, budget, and needs.

Everything was excellent working with you. I can't believe my puppy passed away so early. The shock is unbearable. Hopefully, I can recover and get a puppy again. I would use from day one, just like I did. The increases were a little on the higher side the past two years. The payouts could be a little faster. Nothing drastic that would make me not cone back.

The best insurance. The claims are so easy and the review is so quick and the return time is outstanding. I can't say enough good things. Even if you have question they answer quickly. You can upload or snap photos and very minimal work on user's end. The best. The best. The best.

I love my dogs as if they’re my human children & that means providing the most care I can for them. With that, sometimes comes a hefty financial responsibility. After an unlucky history with our pets to no fault of our own, our veterinarian recommended pet insurance to which we found Embrace. From getting a quote, customer service, billing (premiums included), and filing claims, the process of each step has been simple which is more than I can ask for. The customer service is always fantastic and I couldn’t ask for a better company to insure my furry family members with!

Very easy to submit claims! Quick turnaround time is appreciated. Has easily made us able to extend the life of our senior dog who had a kidney scare that would have been a difficult decision otherwise. Only complaint is that prescription dog food is not covered. Our dog medically must be on prescription diet but it is not covered on the plan.

My pet recently passed away and Embrace staff reached out about revising my account, and updated it quickly. The last claim was processed quickly as well. I was also sent a sympathy card which was very nice. Thank you! I really appreciated the service and care taken by the Embrace team.

I got Embrace for my beloved Phideoux, a chocolate Labrador Retriever. When I first got her insurance was to be covered in case she suffered an accident. I never expected she was going to have cancer. Embrace was with me since her first diagnosis. They covered her specialists visits, lab tests, and prescriptions all the way to her last injection. Embrace has a very friendly claim submission and a quick review with a rapid response. They always deposited the approval amount in 2 days. It helped me to keep up with expenses and being able to continue paying for my Phideoux treatment. When Phideoux went to Heaven they were empathetic and caring. I received two beautiful condolence cards that brought me comfort when I needed it. I love Embrace!

Embrace has been very good for my 6 cats and 3 dogs. It gives me peace of mind that if anything really bad happens, I can count on Embrace to help with my expenses. One of my cats has heart failure, and Embrace has helped me buy all of his medications. I recommend Embrace to anyone who wants to worry less about their animals.

I’ve been a loyal customer with Embrace since 2011. I’ve ensured 4 dogs through them. The experience was excellent until around 2020. There used to be personalized correspondence. Refunds have always been timely and claims easy to submit. Rates used to remain consistent throughout a dog’s life. Over the last few years much has changed. This year we received a generic email that our premium rates would be doubling. $300 per month for 2 dogs!!! No explanation. We’ve been forced to increase our deductible to the max to be able to keep our older dog covered. For years I consistently recommended Embrace to all of my friends with dogs. I can no longer soundly make the recommendation. Sadly, we will be changing our insurance with future dogs.

I am writing this review to share my extremely disappointing experience with Embrace. My interaction with them has been characterized by a questionable appeals process, selective use of information, and a blatant disregard for the evidence I provided. One of the major issues I encountered was their appeals process, which seemed designed to be deliberately convoluted and unhelpful. Despite presenting solid evidence disputing their claim of a pre-existing condition in my pet, they continued to ignore the facts. Our initial vet misdiagnosed the condition, and we sought a second opinion that confirmed the error. However, Embrace persistently refused to acknowledge the correct diagnosis.

I have had this insurance for my dog for probably 10 years. The price started out ok and had risen to 230.00 per month. It was my fault for not checking but my friends were paying a quarter of this price. It does not include any meds, shots or teeth cleaning. I called and had it lowered but it is still high. At this point, my dog is already at its breed's max age and afraid to switch. Think next time I am going with Nationwide. They did pay out on a surgery many years ago, but have well made up for it and I could do a few more surgeries and never cover the insurance I have paid. You would think they would cover teeth cleaning once every 4 or 5 years. Nope and if your dog gets a dental disease too bad.

My two dogs have been insured by Embrace for years (it used to be Fetch and they were rip offs!) and they ALWAYS find an excuse not to accept a claim. My vet actually wrote letters to them explaining that my dog did NOT have a pre existing condition and they refused to reimburse me anyway. I had a difficult time understanding the changes in my insurance policies but that's probably because I am dumb (lol).

I purchased the insurance for my Yorkie in January. Cooper had his exam for some of his shots, wellness, two weeks ago. I submitted my claim via the app and it was processed within two to three days, which was awesome!!! I purchased the premium package and included the wellness. Embrace paid the entire claim!!!! My only issue is that I wish the wellness was higher than $650. The main reason I got it was for his dental cleaning. However, by the time December rolls around for his cleaning, it’ll all be used up on his grooming and part II of his wellness! :-(. So far though, I’m quite satisfied!! :-)

Embrace refuses to accept that the ear mites my cat had when we got him has nothing to do with his current environmental allergies. They still won't cover his medical expenses for allergies even though the veterinarian wrote a letter stating these were two separate conditions, and that the allergies were NOT a pre-existing condition.

Filed a claim on my dog and had it paid in a day. Always explain the charges! Great customer service and easy to talk to a representative if you have questions. You can easily add new benefits if you want and you’ll know the charge beforehand! Highly recommend this company!

I’ve been using Embrace for my three dogs for over a year and have had great service, they have saved me a ton of money and stress! My dogs are my fur babies so I would do anything for them, they get the best of everything! I have had no problems at all with claims being covered and they’re very quick about it. I would highly recommend Embrace Pet Insurance to anyone and have referred several of my clients, family, and friends to them. I’m a professional dog groomer and own my own mobile grooming business, and always tell my clients about Embrace and their great service. With everything going up in price, including vet care, it’s essential to have a good pet insurance!

Thanks to their failures I had to pay 6k out of pocket. My cat had an incident that came up in September and they fully denied my claims because I took him to the vet in February during their "trial period" for a wellness check to check on his shots and to get him adjusted to the move. Their practice is to go by Vet notes not diagnosis or tests done. They will do and find anything to not pay you for the coverage you paid and claim it under pre-existing conditions. Save your money and try another company because they don't care.

We have been very happy with Embrace Pet Insurance. This is the first year that we’ve actually met our deductible and had to use the benefits, the process has been extremely easy and the claim processing time has been super quick. So grateful for such a seamless experience during this difficult time with our dog. Definitely recommend this company!

Still have not heard back. Why not. Usually they are pretty good but this one is....my dog had a blood clot in her ear. Had to have it drained. She also had a ear infection. I was told that if she went a year without an ear infection they would cover. I was told this when I purchased her policy so what's up why have they not got a hold of me.

Embrace has been very helpful with covering medical expenses for my dog. I have saved thousands of dollars having Embrace Pet Insurance. We have had to do a hip replacement on our dog, so she is on anti-inflammatories. She has other issues with her legs and knees. Luckily the insurance covers medications as well.

We have four furbabies, which means we visit the vet often. 2023 was a challenging year for our two frenchies, as they both endured two major injuries. Embrace was easy to communicate with, their app makes for filing claims simple and fast. We’ve been very happy with the wonderful customer service & quick reimbursement from Embrace. My only wish is that we started with them sooner!

After suddenly losing my male Saint Bernard to Dilated Cardiomyopathy, I found out my four year old female Saint had it too. Embrace has been with me every step of the way covering all her many heart medications, bi annual appointments with her cardiologist, Holtar Tests, and echocardiograms. Embrace has gifted me 6 extra healthy years with my sweet girl, Penelope. I am so thankful and grateful.

I am glad I made the wise decision to buy insurance through Embrace. I have been with them since 2019, and they always process claims efficiently. I also love that they have wellness coverage, covering annual visits for shots and preventative medications.

Abby, our beloved Great Dane, has been covered by Embrace for a year now, and we couldn't be happier. I feel so confident when I have to go to the vet that I can make rational, worry free decisions. It's nice to have such a good partner by your side.

I am very sad to write this today. For the past year my wife and I had been extremely happy with our Embrace Pet Insurance. As a family with six cats, we were impressed with how quickly Embrace responded to emergencies once the initial claim is processed. When our beloved cat Rutabaga died, we were reimbursed nearly $10,000 of what turned out to be his end of life coverage fairly rapidly.

So they have been good at talking to my vet and working with me. I'm happy I chose them. My vet actually made a billing error which they caught. I was able to call and get a real person when I called which I appreciate.

Submitted claim for our dog the claim was processed in a timely manner. We were notified via email with any updates on the claim process. Very smooth and completely quickly. Also added another dog to our policy after renewal date. Embrace very clearly explained new rate and effective dates since we added out of sequence with other pets.

I have a German Shepherd diagnosed with hip dysplasia and regretted not looking into pet insurance sooner. Another German Shepherd came into my household in November and I began researching pet insurance options. I narrowed it down to Spot and Embrace. However noting a vast difference, I appreciate the transparency Embrace offers, they will inform you within the month what will and will not be covered due to pre-existing conditions. Spot on the other hand will not until you present them with a claim.

Embrace has been fantastic! They have made the claims process incredibly easy and streamlined. I don't think ANY claim we have ever submitted has taken more than 2-3 days to resolve and reimburse. Our Great Dane Stella suffered a spinal cord stroke and had several specialist visits, an MRI, and extensive physical therapy. Embrace has been wonderful in their handling of what was a very hard time four Stella and for us. Everything has been covered as advertised without a hitch. Stella can walk again due to her treatments and thanks to Embrace it hasn't been a financial burden on us. THANK YOU Embrace!

We have to watch our English Bulldog constantly. EBs have many medical issues. From small events to the big ones, Embrace has been there every time. Claims are easy to submit and the response is quick. Reimbursement is in your bank before you know it. Very pleased with Embrace Pet Insurance.

We understood pre-existing conditions but over the next nine months anything they could say fit into those they did. Very frustrating! As a example, our pup had diarrhea because of something she ate; two months later she had diarrhea for a different reason and yet they boxed them in and paid nothing on it. We actually never received a penny for anything including routine exams.

All I can say is I wish all my other insurance companies were like Embrace, our pet insurance company. They let you know exactly what they need, you can submit it so easily to them (and I am not tech savy), and then you can check where the claim is and are you are reimbursed in only a few days. Best ever!

I’ve never had a claim and they raised my rates a lot!!! I’m concerned that if I do have a claim I feel like they will find some excuse not to pay. I keep getting emails saying for me to sign up and I’ve been with them for 2 years!!! Really doubting my choice.

It would be helpful to have a breakdown of what is covered and what is not and why when communicating to members about the reimbursement covered. It all feels very subjective and doesn't leave me feeling like I am getting the most out of my policy or even understanding what the policy is covering according to my claims.

In general, the people at Embrace are very nice to work with, fair-minded, and the reimbursements are more generous than what I'm used to getting from health insurance for humans! Sometimes their response times can be excruciatingly slow (recently, it took 4 months to settle a claim). And oftentimes you have to submit an appeal because they mis-categorize a type of treatment my dog received that is, in fact, covered by my policy. If you have patience, they generally get around to agreeing with your appeal, as long as it has grounds.

My GSD has to have surgery with only a day’s notice of finding his problem. The Embrace representative talked me through the process of starting a claim. Within two days, Embrace had the records from my vet, had processed the claim, and reimbursed my costs. The communication with Embrace was easy to access and I was constantly updated throughout the entire process. Of special note, when I told my veterinarian office staff that my insurance was through Embrace, they complimented how easy it was to work with Embrace. By the end, all went well and my GSD is fully recovered.

Our dog recently required surgery to repair a ruptured CCL in his right leg. Within a few short days after filing our claim we received an 80% reimbursement for the cost of the surgery! The thing about insurance is you hope to never need it, but it sure is great to have when you do, especially when the insurance company does exactly what they promised. Great job Embrace!!!

I have been an Embrace client for the past year; I am extremely pleased with the efficiency and promptness how their claims are handled. I have had other pet insurance policies but I like my partnership with Embrace the best! If you are searching for the best value and prompt, courteous customer service, Embrace is for you.

This company basically pretends to offer such great insurance for your pets, and was the preferred provider by USAA, but apparently because I did not read the fine print and was told in a condescending way that I should have read in advance of the policy, my cat's claim was not valid. At no point did any representative call me to explain the policy. I had made a call several days before I took my cat to the vet because THEIR WEBSITE WAS DOWN and I was not able to review the policy because of their failure to have the information available on-site, which they keep urging us to do. The representative on the phone told me that I had a 90% coverage for my cat! She went into detail about this coverage BEFORE I took my cat to the vet, with NO MENTION of this pre-policy thing. Unbelievable.

Received a call from Cassie, from Embrace. She told me why she was calling & answered all my questions. Enjoy speaking with her as she was very knowledgeable. Thanks, Cassie. Looking forward to using this insurance when I need it. Looks like a very reliable company when I need it. This is the 1st time getting pet insurance so I'm really hoping that this will work out.

I am very happy with our Embrace pet insurance. We had an emergency two days before Christmas with our cat, Carl. After a two day stay in the hospital and a huge bill, we were so thankful to have this insurance. Filing a claim was so simple. The turnaround was so fast, we had a direct deposit in the bank three days later. I highly recommend this insurance! We have a policy for 7 cats, and it’s worth every penny.

This company will give you the Idea that they cover your pet for "everything". Pay $20/month extra and they cover wellness visits, dental cleanings, etc. The problem is if you have any pre-existing issues they will deny coverage. You're denied if you don't use your funds by submitting a very long detailed claim. If you don't use your funds, they keep any excess_ no refunds no rollover, they pocket your money. Buyer beware.

Aloha, I am writing a review about our first claim for our 7 year old dog Kona. After finding a broken tooth in her bed, it turned out that she needed three teeth removed. It was a bit back and forth trying to get the insurance company what it needed from the vet but after about a month or a month and and a half we finally got it sorted and the claim got paid. Happy in the end so all good. I wish the insurance company had communicated better with the vet's office, but I guess it could’ve been the fault of the vet as well. I know it’s a busy office.

I called to transfer the policy on my dog that we just adopted. The person helping me out was super helpful, patient and kind! It was a quick and easy process, even considering it took a little bit of extra work to find my dog in the system. Thank you!

We just had to use Embrace Pet Insurance for the first time. Although we have USAA for our cars and homeowners and know that USAA is beyond compare, I was not sure how our experience with Embrace would be. Verdict: EXCELLENT! Filing a claim was so easy and we were reimbursed within 3 days after submitting. I had a few questions and they were handled wonderfully. Great customer service!

I chose Embrace Pet Insurance through the advice of a friend knowing that I needed coverage after spend $500 per month on medications for a senior dog of ours. First of all, they cover all preventative vaccines and Heartworm medication as part of the $500 coverage. Not expecting to use it so soon, the 2 year old pup we have insure started limping. I took him to the vet and X-rays were taken and found a torn CCL on the left hind leg. I submitted the claim and it was accepted and we were off to a K9 ortho surgeon for the repair.

The agent was so helpful and understanding that I was beyond comfortable asking my questions. Thank you so much Katy for all of your help and patience with me. I am excited to find out more about your company and products. My family is excited to purchase a policy with your business. Chewy, TigerLily, and Boo are all excited about this also.

I’ve never had to use my Pet Insurance before. When I realized I would need to use it -I called Embrace first & they explained my coverage clearly. They were fast at reviewing my claims and were available via email for questions & responded quickly to my questions. Very kind and professional all around.

My dog ingested poison & had to be admitted to the Vet Emergency Room for 3 days which was NOT cheap. Luckily, I knew I had Embrace Pet Insurance so I didn’t have to stress about costs on top of being terrified for my dog’s life. Submitting a claim was easy and I received reimbursement in less than a week once it was approved. I would literally be in financial ruin if it weren’t for Embrace. 10/10 recommend to everyone with a pet!

Recently submitted a claim that went past my deductible and I quickly received my reimbursement. Simple, easeful process for submitting claims, and quick, too! Embrace has been great. I recommend all of my friends to have insurance for their beloved pets.

When I adopted my dog, I hoped I would never need pet insurance, but wanted to make sure we were prepared for an emergency. That emergency came when she tore her ACL while chasing a squirrel (life, right?). I was so anxious about her surgery, but even more anxious that I was going to have to fight with Embrace to get them to cover it. They made the process SO easy - I submitted the invoice for my dog's (thankfully, very successful) surgery, and had an answer from Embrace and my funds reimbursed within 3 days. I have been recommending them to everyone I know with pets, and I'll be a loyal customer for the rest of my life.

I've been with Embrace for a year now and I like the fact that they are professional yet personable on the human touch. They keep things simple and that is very important to me! The value of the insurance is both economical and peace-of-mind! They care about their clients and pets.

This service is great when I don't have problems with my claims. There always seems to be something additional that is needed from the vet, even after I submit all the paperwork that the vet has given me. Very inconsistent claims service. Some claims are submitted and covered, where others are not, even though I've submitted the same claims for both my dogs.

We were new to Embrace and our puppy swallowed something that required surgery to remove. I submitted my claim via email and quickly received an email that it had been received. It was a few days later that I received an email that they had approved my claim and only about 1 more week to receive my reimbursement check. It arrived before my credit card statement was due for the procedure! I had never insured my pets before but now can't imagine life without it. Thank you Embrace for the great experience!

I’m very happy. I’m getting old and I need peace of mind. Plus my dog will have the best cover ever. For me the best and for my dog the best also there no difference, Embrance provide me the peace that I need in case of any kind of problem with my dog Mariano.

After filing my first claim ever using pet insurance I wondered why it took me so long to buy it! My claim process was easy. It was online, making it easy to understand and complete. Also it was easy to upload my receipt. Afterwards my reimbursement was fast and accurate. Embrace has made me confident that we are in good hands!

Reimbursement has been a problem, however there was never an issue prior to my deductible being paid in full. Every invoice that went towards my deductible was submitted and put towards the deductible, now that it is paid the last 4 claims have been submitted 5 times each, via email as well as being uploaded, but they "are not receiving them". Now that it is time to reimburse there is an issue. I pay monthly, on time, to you but you can not even extend the courtesy to refund me what is rightfully mine? I never had an issue with this company, for almost 3 years, but now I see why others do not recommend them.

It’s a lot easier to make monthly payments to insure your vet than get hit with a big bill at once. Easy to submit claims and money goes right into your bank account. Your pet will be healthy and you won’t be burdened with a huge vet bill at once. I am very pleased with my experience. I had to call and the representative was very polite and helped me with my question.

Our furbaby has been very healthy to this point, but he started having digestive issues and we went to the vet at least twice but maybe 3 times and our bills were pretty big. Embrace reimbursed a good bit of it which helped a lot. My husband has been complaining about the increasing cost to keep him covered over the years, but he’s now a believer!

Embrace has always been there for my family, including our beloved puppy Daisy for over 14 years. Always great service when we need it and peace of mind all the time. Highly recommend to anyone with a pet they love and want to keep healthy in the best and worst of times.

Three small claims. Endless reviews. Everything is a preexisting condition. A minor skin irritation is an incurable chronic skin condition which eliminates any future skin issues. Dedicated staff to answer every complaint with a prepared text. Wear out the client. Great business model. ))) Oh yes- see the prepared response below——>

I have purchased coverage for my senior cat since 01/29/2021. I have submitted one claim in the past 3 years. Called Embrace and they were only able to tell me that a 25% annual increase is regular practice and nothing else. Pretty sure my increase is way above their regular practice.

I compared several pet insurance plans - for months! It was overwhelming. I finally decided to call Embrace and wasn’t sure I would sign up, but once I talked to Kaylyn, she was so helpful and I’m certain I made the right choice. And Embrace gives back to Neighborhood Pets and PetFix!

Katie at Embrace was professional, personable and provided answers to all my questions. I signed up for a policy for both our kitten and dog after speaking with Katie and comparing some of the other pet insurance companies.

This is the first time I've had pet insurance and after having to put in a claim, they have been easy to work with. I had no problem and from the time I submitted a claim, I had a check within a week. I feel Embrace Pet Insurance is very affordable.

This is the worthless insurance company, don't waste your money on them, I have been trying for 30 days to file a claim and it's impossible to get a straight answer from their customer service, all they do is repeat the same "cue" cards notes. They keep asking for the same documents over and over again. Typical insurance company scam. What makes it worst is that they are connected with USAA. They don't deserve a star. Wasted 300 $ for nothing and the customer service person works out of his mom basement.

We have a one year old puppy, and have submitted a few claims in the year we've had the insurance. They are super easy to work with and almost always have an actual human you can talk to. They are willing to help you with your claim and are patient when you are trying to navigate uploading pictures of your vet bill and get them sent out to them. I so appreciate their help when I have a question.

Let me start by saying Embrace employees have always been very helpful and quick to reimburse any money refunded to me. I was happy with the coverage we had. I had Embrace insurance on my dog Lexi for almost her whole life, probably 5.5 yrs. A few months back I ran into some financial problems and couldn't make my payments so canceled my policy. Three months later I called to reinstate my policy and I was told I could only do it up to 2 months after cancelation. So I was able to sign back up with a new plan but now dealing with preexisting conditions not being covered that would have been before my canceling. In all the years I had Embrace coverage I paid religiously and my dog has been healthy enough that Embrace has not had to pay out much compared to what I paid in. I am disappointed that in today's economy they could not have been more forgiving and reinstated Lexis policy. It is disappointing.

We’ve had multiple claims for Roxy based on congestive heart failure, Lyme disease, etc and Embrace has paid swiftly on every claim. Every time we put in a claim online, they are so quick to pay and respond to us if any questions a.

My dog had some digestive issues and found from the emergency vet that he was impacted. This required immediate surgery to remove the impaction and to prevent any infection in his intestines. He was in the hospital for several days before he was stable enough to come home. I submitted the claim for the entire procedure and it was approved in a few days with the explanation of payment coverage minus the co pay and deductibles. The entire submission and upload of documents process was extremely easy. This insurance really saved me from having to pay for the entire bill.

We’ve only had two claims in the two years we have been with Embrace. The first was handled swiftly and satisfactorily. The second has just been submitted. We had questions and phoned the company. We spoke to a very pleasant and helpful woman who answered all our questions. We believe this one will have another positive outcome.

Only having worked with Embrace for a short while, I have been impressed. They have been reasonable in their claims assessments. They are objective when assessing claims and willing to consider dialogue with clients. Their customer support team is always friendly, knowledgeable and patient. I plan on continuing do business with them moving forward.

I have a puppy and wasn’t expecting to need insurance. I definitely used the wellness plan to pay for spay, but she had bad reactions to anesthesia. I had to take her to vet 3 times and all was reimbursed at 90% within 5 days! The wellness plan was great for spay and shots. It was also great for monthly flea, tick, and heart worm medication!

I've been with Embrace nearly 9 years. I have 2 Newfoundlands. Our policy cost has increased drastically each year. I'm up to $390.⁰⁰ monthly starting 1.27.24 for basic non-wellness. That is up from $282.68 in 23' and $172 in 22'. I was told my premium will be guaranteed to increase a minimum of 25%-35% next renewal. My girl is 8.5 yrs old. Gets a $50 HEALTHY credit off our deductible, well because she is healthy. Our boy is 3. Unfortunately has extremely rare tumors that Embrace insisted was allergies and would not cover. Cornell stepped in after our boy was given 6 months to live to help fight Embrace. They finally changed their minds. They said they only raise due to age not claims. Age is a factor because they are risky.

Filing claims for my dog Mac has been so easy. The experience has relieved so much stress for me because after I file I get my claim taken care of right away. I am extremely thankful and happy I have Embrace Pet Insurance. I highly recommend to anyone who has considered pet insurance to sign up with Embrace. They have made having pet insurance the best thing I ever did for my pet.

Embrace is a great company to deal with, and the coverage is really good. However, the premium went up 41% this year, and this was for a healthy dog! We had to raise the deductible to make the insurance more affordable.

I had been unable to file a claim because I was unable to enter my portal and was dreading the call to get help. Ashley, at Embrace, the highest rated pet insurance, led me step by step into confidence and success. I know how to file and am confident that I will.

When I send claims they always have to get it from the vet as well. The vet and ER don’t send paperwork. I always have me to reach out to them and send to me then I send again. I don’t know what Embrace is looking for but I send the exact same bill and invoice. Bought the extra wellness to help with spaying but in couple months the vaccines took up all the money. Not worth it. Will look elsewhere next year.

Great pet insurance with Embrace Pet Insurance. We researched them through Consumer Report and Google. Their Wellness Health Coverage is like having an HSA for pets. Their Health Pet Insurance coverage is very affordable with all different types of coverage plans. Their customer service staff are very professional and terrific in answering all of our questions. Their health web portal is user-friendly, easy to access your pets, health and wellness insurance information, and our personal account settings. Our vet claim were all reimbursed right away, direct deposit into our personal account. It gives us great peace of mind that our feline, Darbi boy, is in good hands with Embrace Pet Insurance!

We are very pleased with the fast efficient claims service. Other than pre-existing situations I have not had any denials. Entering claims is very easy and the website allows you to have everything at your fingertips as far as claims filed and their status. Payment is made my direct deposit so it's convenient and fast once the claim is approved. I recommend Embrace for your pet.

I purchased this policy when both my dogs were puppies. My dogs are now 6 and 7 years old. I have never had a claim until recently. We had been very fortunate. Recently my 7 year old diagnosed with lymphoma. I honestly think I would have had to put her down almost immediately because the cost of treatment was beyond my means. She has had one treatment and is feeling better right now. She won't be cured but I get to spend time with her that I would have been denied.

Our dog, Zoey, was only 3 1/2 when she was diagnosed with Lymphoma and required extensive surgery to remove a tumor from her intestines. This experience was incredibly stressful and sad, to say the least. As a policyholder, when we first reached out to Embrace about her condition I knew we were in the right hands with Embrace. This company has been nothing short of phenomenal in claims processing. Most of all, they are caring and the customer service is outstanding. Highly recommend Embrace for your pet insurance needs.

I used Embrace for my kitties years ago. We now have a puppy and it was so easy to get her insurance through Embrace. Their phone representatives are knowledgeable, friendly and professional. They understand insurance and how much we love our pets. I appreciate their extensive training.

At first, we were a little skeptical about getting pet insurance. We did the typical questions of “do we need it?” “How much will we actually use it?” And it only took once for us to realize we will never go without pet insurance again. Our puppy unfortunately had a seizure/stroke and had to be hospitalized for multiple nights and ultimately led to his passing, and the last thing we wanted to do was be stressed over the cost of it all. Luckily, we had the insurance for about 7-8 months and were able to file a claim and get almost all reimbursed. When having to call and ask questions, everyone was super nice and caring. When filing the claim itself, it took less than a week to get approved and have our funds back into our account. Although we lost our sweet baby, I have already recommended pet insurance to almost anyone I know, because you never know when you might need it, and the last thing you want to worry about amidst any problem with the animal is money.

I called Embrace twice, specifically to ask if a prescribed supplement was covered under my policy. I was told that if it was written by a vet that it was probably covered. Both times I tried to tell them exactly what it was and they brushed me off by saying That I wouldn’t know until the claim was submitted. When I did submit the claim, I was told that it was not covered, because it was part of the wellness program. I consider this fraudulent business practices. I did my due diligence to find out if my coverage was sufficient to cover the prescribed item. My questions should’ve been answered honestly. Now I know that I cannot trust the representatives at Embrace to give me an honest answer when I take the time repeatedly to call and get the information.

We have had a lot of health issues with our precious cats. 3 with cancer in 2 years. 2 of our 4 cats have been insured with Embrace and they have been great helping paying for the medical bills. It’s so stressful enough with them having this horrible disease and not enough vets around so we are traveling from state to state to get them the care they need so not having to worry about this part of it is so helpful. I’d love to send a big thank you out to Ashley and Mandi who have gone above and beyond submitting our claims and just being so kind.

The key to pet insurance is understanding what pre-existing conditions your pet has and not expecting coverage for them. We only wish we had insured her sooner. Any injury our pet has had since has been covered in full, usually processed within a few days. Embrace has a lot of flexibility in pricing to meet anyone's budget.

I had a problem removing coverage for a deceased pet (there's no way to do it from their website which is amazing to me). But I digress. Calling customer service required interaction with 3 people one of whom asked an insensitive question. I got angry and wrote a nasty post on FB. They contacted me immediately, and made things right immediately. So while the support experience was sub-par, they did what they could to fix it.

I wish I could make this 0 stars. What a terrible and dishonest company. I should have spent more time doing research and not choosing based on the discount I received. They will not pay your claim. They will make it as painful as possible and will drag it out as long as they can to get you to give up. They will throw up roadblocks, ignore you, and ultimately find some weak loophole to deny your claim. We lost our dog recently, and very unexpectedly. She evidently had heart cancer of a type known to be a sudden killer. There was no evidence of this illness prior to us taking her to the vet due to a cough. We made medical decisions based on the fact we had insurance and were past our "waiting period".

I had to change my credit card on account because my card got frauded, but I had to wait until I got my voice back! Nick helped me take care of all of it so there would be no lapse in coverage so Harlie could go to the vet when needed and be covered!

We switched to Embrace a year ago after the company we had almost doubled their rates. You hope to never have to use the insurance, however our dog became ill this summer with Poly Arthritis. Through numerous claims the last few months, Embrace has been excellent to deal with. Claims are easy to file, and Embrace is quick to process. I highly recommend this company when it comes to pet insurance.

I have had some time of pet insurance for decades. I found Embrace 5 years ago and couldn't be happier. They process claims extremely quickly, and direct deposit any refunds. There's little to no quibbling back and forth about what's covered or not, etc. Claim submission process is streamlined and all done online. There's no $0 deductible, but Embrace has many other cost-effective alternatives exist.

I was very impressed with the customer service and the claims process. I was expecting to be stressed about the claims process when I found out my cat needed expensive hip surgery. I was impressed with how easy the claims process was. Embrace Sent me a check covering what was noted in my policy within a week. I would definitely recommend this company for pet insurance.

Coverage first off is cheap and affordable. Submit a claim 24 hr review and paid in 2 days. The app is very easy to use and the customer service is fantastic. Going through the worst time as a dog guardian I never had to choose money over healthcare. I was able to try everything available for my dogs. I will never second guess myself on if I did enough. I can’t refer embrace enough.

I recently had the opportunity to experience the exceptional service provided by Embrace, and I am delighted to share my positive feedback. My interaction with this pet insurance company has been nothing short of outstanding, particularly in terms of their easy claim process and prompt responses. The claim process with Embrace is incredibly user-friendly. Submitting a claim was straightforward and hassle-free, thanks to their well-designed online platform. I appreciated the simplicity and efficiency, making the entire experience seamless for pet owners like myself.

So not even two years and this insurance is unbearable financially. My mother in her 70's, just had her rate for a 13 year old dog with NO claims go up 55 dollars a month. Yes, a month! My dog went up a dollar and she is 2 years old. When you ask them why so damn much they read off some lengthy canned response that this is "increase is common practice with underwriters in pet insurance and typically it's a 20% increase." Well ours was a 50% increase!!!! Mind you this IS with a 500 dollar deductible?!?!

My boys have been covered by Embrace for 9-10 years... for 2023 year we drastically reduced coverage to keep premiums affordable and this year the premiums doubled. We have paid in around $8000 over what has ever paid out in claims and with the premium increase if we were to continue, we would pay in more than the plan would pay out if we maxed out the policy for both dogs.

Very expensive and raised my rates double and I'd never filed a claim in 3 years of having the service. My dogs are in excellent health and we never reached out to them for anything. Ripoff. Go with someone else.

Our pup got sick and we had multiple visits over two months to the vet while trying to figure out everything. Once all was resolved we submitted all our claims and I was expecting to wait weeks and it only took days to get our reimbursement back. The process was so easy and painless.

We recently had to put one of our dogs, Finn, down after about a year of declining health with mitral valve disease and progressive heart failure. Between our two dogs and 19 month old twins, we didn’t have the bandwidth to file claims as Finn got care. We were worried Embrace would give us a hard time about filing after his passing, but they were great to work with. My husband took care of uploading all the necessary documents, and they were approved quickly and paid in under 2 weeks. They also took care of removing Finn from our policy and issuing a prorated refund of our premiums without us having to separately ask. Support staff was courteous and responsive. We used to have Healthy Paws insurance but found them to be overpriced and harder to work with. I’m glad we switched before either dog got sick and needed major care. I highly recommend Embrace Pet Insurance to other pet parents.

I’ve had Embrace Pet Insurance for several years now, after having multiple dogs without insurance and wishing I had it. My current dog ended up needing emergency surgery and without the insurance, I would have had to put her down. Fortunately for me and her, the surgery was covered and she recovered very well! Fast forward a little over a year later, she has been diagnosed with Cushing disease and once again, Embrace came to my rescue and has covered her expenses. Having Embrace Pet Insurance has allowed me the ability to keep my precious companion for as long as possible. Thanks Embrace!

They are difficult to get ahold of and do not provide the service you pay for. Sent them a myriad of information and was still told that I had not provided enough to process the claim. Then when attempting to cancel my policy they have done everything they can to make it as difficult as possible. They are a money sink with no benefit to you or your pet. I would advise avoiding and seeking an alternative provider.

I have had Embrace for two dogs for almost 10 and have been extremely satisfied with the claims process. Embrace is prompt and very easy to navigate. One of my dogs required costly surgery twice and embrace paid as advertised. My only caveat is embrace is not cheap. But you do get what you pay for.

I want to thank Embrace for helping me with my pup. She was my best friend who lost her fight to lung cancer. My veterinarian lied to to me, misdiagnosed her. We lost a few months, during that time the cancer spread, it was too late for treatments. It’s hard to take care of your best friend when the vet lies and misdiagnoses the issue. Make sure you have a good vet. Embrace was the only company that reached out to me and showed me they care. Thank you Embrace for being there for my best friend, I only wish a good vet was there for her.

I switched to Embrace Pet Insurance from Healthy Paws because as a USAA member we received a discount. Embrace Insurance touts that it covers SO much that I was wooed. BIG MISTAKE! Embrace Pet Insurance is the WORST pet insurance. When it came down to paying claims, ALL of them were denied. I should have never changed. If I could give them a negative stars I would. Cancelling this policy as soon as possible and going back to Healthy Paws, who provided better coverage and reimbursement on claims.

My dog had a rough year, she had an ear problem, then excessive vomiting and digestions issues, then to finish off the year with an eye infection. I’ve been to the vet 8 times. The claim system was easy to use and got reimbursed in less than a week directly to my bank account.

For four months, many phone calls and emails, this company continued to charge my credit card for services that were severed in late July. I was told numerous times by representatives that I would be reimbursed these charges and that my credit card would be removed. This never happened, until very recently when the representative I spoke with immediately helped solve the issue (hopefully). I have never been so disappointed in a company and I would never recommend them!

Excellent customer service, great price. Overall wonderful company. The staff are always very friendly and helpful! I have always had a good experience whenever I have to call! If I am not sure of something on my statement I know I can call and get the answer I need, they go out of their way to help! Thank you Embrace!

ADDED NEW PET TO POLICY. Rep. made it easy and very clear as to what was entailed in the process. Being a man of few words, I find it odd that I should have to invent something to say beyond what has already been said! This is like using a ten penny nail where a brad would suffice.

Embrace is Corrupt and Adds pre-existing conditions that will never covered to my dog even though the agent SPECIFICALLY confirmed they would be from a record and reviewed by, Senior Advisor, of call the day of my sign up with Embrace. My call with agent she confirmed upon sign up my dog's skin and paws would be covered, not a pre-existing condition. After my sign up and payment Embrace specifically said my dog's skin and paws are not covered even though she had no issues. Fraudulently added both as preexisting conditions, will never cover as doing opposite of what they confirmed and I would not be eligible at any other per insurance as Embrace has deemed my dog's skin and paws and ears as preexisting conditions. No remedy was made and no claims would ever be considered even after senior supervisor listened to call and confirmed.

They changed our deductible without our knowledge & reimbursement is not worth $1300 per year & $500 deductible. I had both wellness & health issues. I could not find the deductible posted anywhere in my policy. This is through USAA & veterans should not be treated this way.

Not thrilled with the premium increases each year but has saved my dog, 3 cancer surgeries, 3 acl surgeries and a recent with pancreatitis. Premiums have gone up the past few years. Started around 50 or so and up to 115, however we've dealt with about 30k in hospital/surgery and vet bills.

Trying to speak with someone it’s very frustrating due to long wait times. Claims processing is quite long for my cat and every claim is denied based on his positive FIV test. They seem to use that as an excuse to deny everything. I currently have an appeal pending, but there’s no mention of that in their system. So I had to call and speak with someone for the status of my claim.

It's one level of stress to have my girl so sick but a whole other level if I had to worry about the cost of her care. I am so grateful to Embrace for their prompt processing and payment while having to go through such a devastating experience. The kindness on the phone, email and condolence card was unexpected but so appreciated.

I wanted to take a moment to express my heartfelt gratitude for the outstanding service and support. As a dedicated cat parent, ensuring the well-being of my feline companion, Baxter, is of utmost importance to me. Embrace Pet Insurance has played a crucial role in making this commitment a reality. My journey with Embrace began when I was researching pet insurance options for Baxter. After thorough consideration, I chose Embrace due to its reputation for comprehensive coverage and transparent policies. From the very beginning, the enrollment process was seamless and user-friendly, allowing me to customize a plan that suited Baxter’s needs.

Because my dog had vomiting during the waiting period, Embrace claims it is undiagnosed, and therefore considered a temporary pre-existing condition and therefore any claim that even mentions vomiting will not be covered. In order for this temporary condition to be removed, there must be zero claims involving vomit for 12 months uninterrupted. I think vomiting is probably the most common symptom that happens whenever a dog becomes sick, so essentially having this pre-existing condition will allow Embrace to deny practically all of my claims.

Embrace was quick to directly deposit my reimbursement! They made a stressful situation very comforting! I love having the reassurance of not having to worry about an astronomical expense at a very upsetting time! I highly recommend Embrace! The claim was so easy to process online and the money was deposited in my account so quickly!

Not worth the money. If I could rate lower I would. Don't let your animal get hurt during the first year. They'll deny your claim and say it's a preexisting condition. I'm out $ 7000.00 dollars cause my dog needed surgery. I should have listened to 3 veterinarians who said they wouldn't cover anything. My fault. They like to tell you they love animals and they're pet owners too, so what Jeffery Dahmer's neighbors used to say he was a good neighbor, quiet and polite but kept to himself. The only thing they care about is getting your premiums and getting their bonuses at the end of the year denying your claim.

We had to get our dog to Pet Emergency because she swallows everything and then some and got something stuck. The bill was quite enormous and I am so happy to find out only a few days later that my claim went through and that my refund is on its way to the bank. Not my experience with other pet insurances. I am very happy with how this went!

The lady who took care of me was great!! She was very clear with what I would get in terms of coverage and I’m happy to say my baby girl is covered for health reasons. Again awesome customer service and answered all my minor and major questions/concerns!

Sarah answered all my questions. She was very informative as well as professional. She answered all my questions thank you. I told Sarah I will call back once I research and also recheck the age of Ashley. I thought I called awhile back to change the ages on my pets. I will have to check my notes...

I cannot say enough! My experience was stellar, the best it could possibly be! Everything was taken care of quickly and in a way that provided great ease for me as I went through the procedures and trials with my baby. Embrace took care of everything very quickly as the continuing needs came. It made the whole experience so much less painful and demanding so I could concentrate on my baby's needs, and the financial help was beyond priceless! I cannot say enough to express my immense Gratitude!!! They were on top of everything! And so compassionate, knowledgeable, and supportive. Again, huge thanks and Gratitude. Cannot find words to recommend highly enough!!! Thank you Embrace!

Like everyone today money is tight and my monthly cost is 75.00 so I was going to be 4 days late so I called to let them know and I thought it was nice of me to let them know but it became a big deal and I was told I will only be allowed to do this once in a year. A company that has no caring or understanding is not a good place to do business

Submitting my claims was a very easy and quick process. I recently had two claims for one of cats and both of them were processed and paid in less than a week. Great service!! They have Excellent discounts for multiple pets too! Plus, as a USAA member, I was eligible for an extra added percent off.

EMBRACE Pet Insurance has given me a bad experience. I’ve been calling numerous times and sending emails and EMBRACE will not resolve my claim. Over 3 months now and EVERY TIME I call they tell me I need to wait for the adjuster to view my claim. I’ve done EVERYTHING in my part to give them all the information but they won’t do their part into giving me my reimbursement. I’ve given them my $70 dollars monthly payments since I enrolled my pet into this insurance. I’ve also paid my $500 dollars deductible & no final response from EMBRACE. I need to know if they are going to reimburse me my part of the money or not. I’m so disappointed with EMBRACE, I don’t recommend this pet insurance company.

We've been really impressed with the Embrace claims process and the overall coverage. Our puppy has had one injury or illness after another, so we have, unfortunately, had a lot of claims. They have all been processed quickly and fairly. It was really overwhelming to pick an insurance company since there are so many to choose from, but we are really happy we went with Embrace. Have been very satisfied so far.

We chose Embrace Pet Insurance. Roger was so very helpful and made us feel reassured fully that this was what we needed. Spoke about the different options and cost and how the plan worked. Seemed the right choice to make. Checked other companies but Embrace was prompt with calling back answering questions to be sure we felt this was the plan we needed. No pressure and their price seemed very fair. Feels like the right choice. Hopefully we will never need it but glad it is there. Check them out.