Embrace Pet Insurance Reviews

I am more than grateful to Embrace. After researching many companies & reading reviews. I was hesitant to even embark. I followed all guidelines & For 4 yrs they have come through. I highly recommend!!

Bought pet insurance with wellness for almost $100 a month because I had expected to need it for my dog. I had multiple vet inspections prior to buying the insurance and my dog is healthy. I took her to get fixed and submitted the claim promptly to Embrace. It took two months with a large number of calls and emails to both Embrace and my vet to get the claim approved. Embrace kept sending my vet requests for a full medical chart on my dog, which my vet didn't have. Embrace insisted they needed this to consider my claim. The only time anything happened was when I was actively calling Embrace to move it forward.

I have never dealt with such lousy pet insurance in my life. They ask you over and over for the same documents from me and the veterinarian. Always trying to deny your claim. They scrutinized every piece of paper trying to find a way not to reimburse you a penny. These veterinarians are trying to save or prolong the lives of our pets rather than have to write a book on their non preexisting conditions. I hate I got involved with this company. Now they are not going to cover any of one of my dogs dermatology skin issues because they are trying to say it was a preexisting condition which is a boldface lie because I got him as a 0 to 12 week old puppy from a reputable GSD breed that had no skin issues I think until the end of last year or the beginning of this year.

I recently had my oldest dog at the emergency vet for a dog bite and then her wound opened up, requiring several vet visits. Embrace was very easy to work with for the claims. They have an easy application on the phone that I was able to upload all of her invoices on and could easily communicate with Embrace. My claims were quick to be approved and the direct deposit was quick to be back in my account. Highly recommended!

Whether I am communicating online or speaking directly with Embrace staff, I am treated professionally and courteously. Uploading paperwork is quick, just as the turnaround for claims resolution. Truly a pleasure to deal with.

It took nearly six weeks to get my first claim responded to only to have it denied. When I first joined I authorized full access to my dog's medical records. My German shepherd was 6 years old and very healthy. No preexisting conditions and regular vet care. At one visit a year before I added insurance, I talked to my vet about itching just to get some baseline info. They offered ** if I thought it would make our dog more comfortable. As I read up on it, I decided along with my vet that Jazzy did not need to continue it.

I have been an Embrace customer for several years and I love them. Like any product or service you have to read and understand your policy so you know what you are buying. If you know what you are getting you will not be disappointed. Recently I added a rescue to my policy and she ended up being pretty sick. Embrace and I went back and forth on what was pre-existing. The first list I was provide troubled me as it was extensive. I filed a request for a review and what Embrace came back with was so much better and I was very happy. There was still one condition that I wanted to discuss with them. My pup was very sick and the medical history was complicated and the timeline from visiting several vets was hard to put all the pieces together. I expected the Embrace team to grow tired of my back and forth and reject my final plea but they really listened and really worked to understand the order of events.

I purchased this insurance for my new puppy and thought the $250 wellness benefits were a good idea. After 6 months I started turning in my vet receipts for the wellness benefits claims. The first round of receipts were returned and I was asked to provide a full print out with taxes, discounts, etc. I got this info from the vet in PDF and submitted them to Embrace only to be told that the receipts were not legible....They were perfectly clear PDFs with no password. I ended up cancelling after realizing they were never going to pay any of the wellness benefit claims.

I would definitely recommend Embrace. We were hesitant to get insurance and after a lot of research, choose Embrace. We were hoping we wouldn't need and would have it "just in case" but unfortunately we have had to use it. Customer service has been great. Ease of making claims is a definite bonus and claims are processed in a timely manner.

My small dog has been diagnosed with Cushing’s. It is taking a lot of testing and blood work almost monthly until we get it under control. His regular vet recommended a specialist. Embrace has been wonderful in covering most of the expenses. Being retired it’s a lifeline when I most need it. Cushing’s is a terrible disease that affects skin, hair and internal organs. Thank you Embrace.

Total waste of money. I got this for my dogs and sure enough had to file a claim. They kept asking for info and rejecting the very detailed reports the vets gave them, only to ask for the exact same report again to reject it again! Then rather than just reject my claim they placed it “on hold” probably hoping I would just forget about it…and I nearly did, but I check my credit card and the charge for their “service” reminded me. Well after numerous emails and phone calls it became clear that their goal was to get me to just give up. Which I did with a cancellation. Don’t waste your time with Embrace. They are a waste of money.

Only by phone. Claim check is being sent to an old address. “Wait times are longer than normal.” Ho hum. Keep trying to route me to chat with a chatbot. I spent 20 minutes doing that. Turns out addresses can only be changed by phone. Why? Are you surprised that changing my BILLING INFO ADDRESS can be done easily online? Interesting! Very simple to change my payment info! Hard to update my profile info. Shrug.

My policy listed my rescue's name as Pepper while her name is actually Pippa. When I called/emailed to have this corrected I could never get anyone to help me until I spoke to Tiana. She was so helpful and stayed with me until the problem was corrected. In the meantime I had submitted a claim, but my veterinary clinic was unable to respond because of the name change. I hope you give Tiana a raise!!! She is the only one who stuck with me.

We had major issues with signing our three dogs up for insurance (they left one off the policy) which was a major hassle to correct. Then when we had our first claim with one of our other dogs they denied it, saying she had a preexisting condition she has never been diagnosed with by any vet. Coverage is worthless. We are canceling and switching to a different company as soon as the new company's waiting period is completed. Save your money and go elsewhere!

I have never written a review before in my life. That is how angry I am about my experience with this company. I originally bought a comprehensive insurance plan for my dog and then was even sold a further wellness plan by an agent on the phone to supplement illness and accident. I did this mainly because at some point I wanted to get my dog’s teeth cleaned. Little did I know, that would never happen because a vet already identified that my dog has tartar on his teeth. So beware. But what actually happened was even worse.

I was expecting this process to be a long and a bit of a fight to get surgery for my dog's CCL. However, this turned out be so easy and seamless. We sent in a pre-authorization form and had it approved within 8 hours. Next day, my dog got his surgery which we paid for and were reimbursed the coverage amount in 4 days.

Too many hoops to get reimbursed. Also pay a deductible and to find out you got to pay a copay on top of that. (EXAMPLE) paid out of pocket like 1189.00 from a 1345.00 bill.... and paid 56.00 dollars a month for a year before I even used the ins. (SO CALLED INS.) SO PLEASE SHOP AROUND BEFORE YOU GIVE THEM FREE MONEY. THAT WAS MY EXPERIENCE. I could of saved that 56 dollars a month and paid for the vet bill myself and at time of emergency only paid 300 instead of 1100.00 out of my pocket.

This is the first time I have had pet insurance, and Embrace is just wonderful. Not only was signing my dog up easy, but submitting claims was even easier! Coverage was excellent and reimbursement was very fast. We looked at many plans before we decided on Embrace and we are very happy that we did! Thanks Embrace.

Insurance is horrible! Submitted my first claim that was under $150 and getting the complete run around. They are trying to say everything is a pre-existing condition. I sent in requested pet records for time they requested and then they asked for more records for different time. I feel like they are searching for a reason to not reimburse for the claim. My dog went to vet for diarrhea and limping on front leg. Neither pre-existing conditions. She has rotating patella on back leg but never issue with front in past. Waiting a month and still no decision on the claim. I canceled with them. Horrible pet insurance.

I can't recommend Embrace enough. When talking about pet insurance with friends and colleagues, I often hear that it is a scam. But having Embrace has paid for itself several times over financially and in peace of mind. My dog has had two very costly emergencies and Embrace has covered both. During this second emergency, if he was not insured I likely would have had to put him to sleep. Embrace has followed through and helped save my dog's life twice, while saving me from financial ruin. Do not let bad reviews/experiences deter you from protecting your pet. Read the policy closely and insure your pet early. It could end up saving your pet's life. All and all, comparing policies, cost and trustworthiness, Embrace is one of the best pet insurance companies out there. I am so glad I have it more my dog.

For years, I've been paying nearly $200/month for my older dog. I've never filed a claim once. In July, she suddenly needed serious dental work (a lot to process financially and emotionally). I'm 9 months pregnant, working full-time, and have been juggling a lot. Yesterday, I sat down to formally file the claim. That's when I learned the window closed 2 weeks ago. I had no idea there even was a claim window---apparently this is only after a policy renews. The rep told me my renewal was 6 days after the procedure (seriously, just 6 days!). For that reason, the window kicked in and they won't even consider the claim. Had the emergency happened a week later, there'd be no issues, which is a reality I'm struggling to wrap my head around. I can't begin to describe how disappointed I am with Embrace, or how stupid I feel for giving them so much money over the past few years...

Submitting a claim and hearing back is so fast and easy. I love Embrace and recommend it to everyone that I know that has a pet. I had my reimbursement within ten days of my claim submission. I knew within 24 hours what my reimbursement was going to be. Worth the money every month, especially for a beloved pet.

We used Embrace Pet Insurance for our cat. The coverage was reasonably priced (and they were one of the few options since she was 12 or so when we started coverage). Embrace reimbursed for medical bills as described in the policy documents without playing games. They were responsive and communicative when we filed claims, and the checks were mailed relatively quickly. When we get another pet, Embrace will be at the top of my list.

I've had a policy with Embrace for 15 years. Fortunately, when my dog was younger I hardly had any claims, but over the last 5 years as she got older there have been a lot. First there was cancer treatments and this past year it was multiple illnesses. Every claim I submitted was paid immediately with no questions asked. At one point I was submitting claims weekly and even daily and they never hesitated to reimburse me. My policy was just what I had hoped for, I wanted insurance so I would never have to think twice when seeking treatment for her. I just cancelled my policy because she's approaching 16 and we won't be doing any drastic treatment for her. And what did Embrace do! They just sent me a box of cookies thanking me for using them all this time!

I recently adopted a French Bulldog. No issues. Had the orthopedic exam done, no problems. While there the Doctor noted "mild environmental issues". Apparently that is a BIG RED FLAG for pre-existing. He has no other issues. He had an exam in June (yearly). They did not like the doctors notes!!! They want specific types of notes. Therefore they were going to extend the waiting period until he had another exam!!! I will never refer anyone to Embrace Pet Insurance! I cancelled, never used the policy, but they pro-rate and I am getting ripped off!! Don't do it!

Bought health and accident insurance and wellness plans for two dogs. Very pleased with the service, especially the explanations provided by JT, the salesman. He was very knowledgeable and made excellent suggestions. Fast service. Would buy from him again. Like the options available. Compared the plans to others and liked the ones I bought. I recommend this company.

Exceptional, would highly recommend. All reps I dealt with showed sympathy with the loss of my cat. They were always there to answer questions that came up during my cat's sickness. A great company to deal with.

I researched several pet insurances and I narrowed my choices to Nationwide and Embrace (vet recommended one of the two) there were a few others spot etc. I’m glad I made the choice of Embrace. They are very easy to use and they have features like get an orthopedic exam and coverage starts early. I have the insurance and wellness for a one-year female pitbull mix (first) and 3-year-old male boxer I just rescued. I’ve used the wellness two times and one illness for kennel cough this past week.

I am impressed with the quality of coverage, the various options and customer service. The agent was patient in explaining the policy and making recommendations. Submitting claims is a very easy process with a quick turnaround for reimbursement.

I’m pleased that Embrace was easy to submit a claim to and responded in a timely fashion. However I am displeased that they consider diarrhea for my puppy a preexisting condition despite the cause of it being completely different. My puppy had been treated for worms before I signed up for the insurance. This caused a brief period of diarrhea. But after having my policy she had a very bad case of gastroenteritis unrelated to the worms. Regardless, this is labeled a preexisting condition for the next year and they did not reimburse me a complete amount due to this. It’s a shame and will make me consider switching to other insurance in the future.

I wish I had read these reviews before changing over to Embrace Pet Insurance. I wholeheartedly agree with the people who were taken in by pre-existing conditions of lipomas and tartar, which apparently was the reason my claim was denied...And will be denied in the future for any of these reasons. I told my vet how they are even lumping the catch-all, "including cancer," as a pre-existing condition; she was appalled. Just to be clear, my dog has never had cancer. I spoke with a representative, who was syrupy (and condescendingly) sweet, but could provide no reason why I should even have pet insurance. Each hypothetical injury/disease was met with the standard "well, it depends on XYZ" or "each case is different." Bottom line, they will do and/or say anything to get out of helping to pay your bill.

I had a great experience, this company is very affordable, and they take pride in their customer service! They offer everything I asked for! Before coming to this company we had different insurance for our fur babies and I wasn't happy, but after reading about this company and Haidy explaining everything made the experience so much better!

Stay away! I was mislead by the nice sale team and now I am enraged!! My puppy had chronic diarrhea as a puppy only to find out she is allergic to chicken. I brought her to a gastrointestinal vet who said this was dietary and she has never had a problem since. When I was doing my due diligence. The sales team at Embrace told me that if there are no issues after one year we will cover her completely. Well, guess what? After having this policy for one year, we just went up for a review. Not only was I told she will never be covered for any gastrointestinal issues. They also mentioned that her dermatological issue will be covered after a year has passed. FYI, it was an ear infection!! Stay away from this company!! Everyone is nice until they have to pay. Bye, Bye Embrace!!

If you've taken your pet to the vet before, Embrace is likely not for you. My expectation was clear pre-existing conditions would be covered but had no idea how one-sided their rulings would be with an intentionally cumbersome appeal process. Had your dog in for the vet to look at a benign cyst a year ago? Embrace's stance: "All types of cancers are permanently ineligible for coverage" Our pet recently was cut on his stomach accidentally by the groomer and Embrace determined that an ear infection a year prior made it ineligible since it was related to the "derm." We were highly dissatisfied with their claim process and their support team.

I have been a Policyholder for my cat Felix for the last 3 years. Embrace has always quickly processed my claims and I never had a single issue. They have always been very helpful and nice. I had heard a lot of bad things about pet insurance company but with Embrace everything has always been very smooth. I strongly recommend this company. My cat Felix passed away last Saturday and today I called Embrace to let them know. They showed a lot of empathy and told me that they would expedite my opened claims that I submitted last weekend. They were very nice and said they would credit me the remaining of the month I had paid since my cat passed away. This is a very good company and I will buy a policy for my other cat.

My Cavalier King Charles spaniel developed an inner ear infection while we were in Costa Rica, I used a local Veterinary service in Tamarindo, CR. I also used a local Veterinary service in San Leandro CA. I spoke with customer service at Embrace two times and received friendly professional help. I submitted all invoices to Embrace and received updates via the website. The process was efficient, prompt and my bank account was credited as expected with the amount I claimed minus the contract deductible. I would recommend Embrace Pet Insurance.

Very happy we chose Embrace. Fast turnaround on claims, very helpful customer service reps, affordable, easy to use. Embrace is a great investment in our puppy's well being for life. Gracie is a healthy, happy puppy but having insurance gives us peace of mind.

Embrace bent over backwards, specifically Dan F. in the claims department, to get my little Italian greyhound's broken leg surgery covered - despite the odds against me regarding waiting periods. They helped me through the process of getting all of my previous vet's medical history, as well as getting a pre-certification filled out by the emergency veterinary surgeon, so as to have the best chance to get her surgery covered. Thanks to all of their help and guidance Ducky was pre-approved within ONE DAY, 12 hours after my first phone call with Embrace, she was approved. Ducky was then able to get her surgery the next morning. Cannot rave enough about how great they were and un-insurance-like the entire experience was. Embrace and USAA set the standard here and I will recommend them to everyone considering pet insurance!

Embrace company is compassionate; most importantly, they care about your pet. What they say is what they do without any questions. They are honest and truthful, but the most important thing is that they care. Embrace Insurance is the most reasonable and provides the best care. Many other Insurance companies promise you the best coverage and price to pay each month, but my friends end up dropping them due to non-payment and high insurance rates. If you want a company that does what it says, then Embrace is the best company, in my opinion.

ZERO help from this provider. Look elsewhere. They screwed my claim and coverage up so bad I was supposed to be getting all of my monthly payments refunded. That never happened and they are still charging me! I canceled my plan so.... WTF. On top of that, you sit on hold for 30 mins or more, without fail, regardless of when you call. Hold message says "manage everything from our website". You can't even make changes to your plan on the website AND they don't message you back if you use the live help option.

DON'T WASTE YOUR MONEY! I have always had pets and never had pet insurance until recently. I purchased this policy and Embrace found a way to essentially carve out every possible body part on my dog including anything dermatological, because she was itchy at one vet visit.. Show me a dog who was never itchy for a 12 month period of time, because that is apparently what it takes to be covered... In any case in my opinion the insurance is a total waste of time and money and the adjuster on our file was condescending and just plain rude. Wouldn't recommend this to anyone.

A lot of red tape - which by design or default may lead you to avoid filing a claim! Embrace has very specific requirements for Veterinary Clinic invoices that they will or won't accept - if the invoice isn't prepared the way they like... they will reject your claim (or place it on 'hold'... effectively doing the same thing). Embrace didn't substantially follow through with Veterinary Clinics to receive their detailed, specific information requirements. Rather than call the clinic, they just put the claim on 'hold'... which could effectively kill the claim without your intervention. I had to call Embrace and request that they join a 3 way call with the Vet for Embrace to gain the information they required to process my claim. It was an easy fix - that they didn't do themselves... They put our claim 'on hold.'

On August 31st, after many vet visits (both emergency and home) the vet recommended that my dog be be euthanized. It was an agonizing decision and she’d been my best friend for 15 years. We made the decision and afterward I submitted my claim which was denied because of a 2020 diagnosis of arthritis (even though the reason for her euthanasia was a tumor on her spleen and her severe decline over two weeks). I wrote back immediately asking for the claim to be reviewed and heard nothing back. I then wrote on September 10th that I wanted to cancel my insurance effective immediately but was charged me $183 on September 12th. This just adds insult to injury. I’ve lost my dog, my insurance refuses my claim and then charged me on top of it. I can’t recommend enough that people stay away from Embrace if you have an elderly dog.

The process of filing the claim was very easy! We were reimbursed for most of the expense of our dog's illness, which was quite a relief. Pet Insurance is very helpful with those unexpected expenses!! The refund was in the mail quickly, and it was very helpful. I will definitely recommend pet insurance to my friends.

Embrace has been pretty decent with their turnaround times for claims in the last year. But after renewing my policy this year, they have been refusing to process any new claims. They keep asking for more medical records from vet visits despite having provided them with ALL the records from ALL past visits. What's most puzzling is why they need records from 2022 again for vet visits from 2023? They already have those records from the 2022 claims. This just seems like a lazy excuse to not honor their end of the insurance contract.

Not happy to use it, but happy that I had the insurance. My dog had multiple issues: digestion, infection, etc. that all needed testing, medicine and care beyond what we had gone through normally. Luckily no surgery. But, the costs were still substantial. Embrace processed the claims quickly so that the money is there when the credit card bill comes in. All expectations were met and I'd definitely recommend, especially if you're a first time dog owner like me.

I submitted a claim for reimbursement. Very easy to file online and download the documents. Reimbursement was processed in a quick and efficient manner. I was kept informed of the process and monies were electronically deposited into my account. Seamless process. I was able to review the explanation of benefits and print a copy for my file.

Embrace is an amazing pet insurance provider. That's right, I said it.... about an insurance company!! We have used them for almost 20 years. It has proven to be a fair business with consistently friendly people. I highly recommend them to anyone who is looking.

After submitted five claims and having them all rejected, I realized that this was a premium-collection company, not an insurance company. I was conned and I accept that. However, two weeks after advising them I was cancelling the policy I received a notice that they were raising my monthly premium. I can't say if pet insurance is a scam generally, but if you're shopping for coverage, I'd pass on Embrace.

My decision to get pet insurance weighed on any potential pre-existing conditions my cat may have, as she's had some urinary issues in the past and I don't want to be surprised if they won't cover future claims. I requested a medical review the day I started my policy, but they require you to wait 14 days. After giving them all the vet information, they say you won't hear anything during the 30 days it takes for them to do the review. After 30 days I follow up several times to see where the results are, to find out that they don't have records from one of the vets. It's now been 40 days and they have sent a single email to the vet, no follow up emails or call (and I didn't know we were waiting on this, not the review or I would've called).

Embrace has been amazing on coverage and fast repaying for my fur baby’s bills! Although I do wish we could pay months ahead and not just once a month. Being able to pay ahead allows some anxiety and to feel more covered in my opinion. But other than that I love Embrace and the coverage they offer.

I was looking for specific information and the the person that helped me was very knowledgeable. Transaction was very simple. I would recommend to anyone. The personnel that helped me was very personable and Embrace should be very happy to have such a competent individual in their employment. Actually made my transaction enjoyable.

I've had Embrace for my 2 dogs for over 9 years now. I'd been fortunate enough to not need to use it until recently. One of my pups was diagnosed with a CCL injury, which can be very costly. It's very telling when the first thing the vet asks you is if you have insurance. Submitting claims for all of his appointments, x-rays, and ultimately the surgical procedure were very easy and the turn around time from Embrace was exceptional. Money well spent for peace of mind knowing my pup can get the proper care he needs for a long, healthy active life.

Easy to setup services. Easy to submit claims. They are quick to respond to claims but not if you have feedback or questions. There needs better upfront details about the optional "Wellness Plan". You need this program if you want cremation or any after life care options which I don't agree that cremation should be under a program called "Wellness". I did not have this and only found out after the fact.

Our dog had cruciate ligament surgery and Embrace was there every step of the way. First off, they paid 90% of the X-ray bill within days (after meeting my annual $250 deductible). Then they paid 90% of the actual surgery bill, also within days. The process to submit claims is super simple through the app on my phone. And when I called to ask any questions, they were very responsive and professional and kind. I wouldn't have thought going through any insurance could be so easy, but it is.

They explained why my dog was not covered for an emergency tooth removal along with clean and to prevent other infections. I pay a lot of money for my dogs' insurance and this last visit was $490.90 out of pocket with no reimbursement. They were pretty good in the past but this was a hit below the belt. I would not give them no stars because their agent Derek was very kind trying to excuse why I was stuck with all the bill. I will find another Co. next year. Two dogs with a 70% plan cost me near 1k$ per year, I'm sure I can do better.

I've have insured my dog with Embrace for 12 years, a reliable customer who pays his bills on time. When my dog turned 10 years old the annual premium started climbing rapidly, making it hard to afford the cost of insuring with them. Then, this year Embrace dramatically increased my annual premium, this time by 50% to $4000 annually, including a $1000 deductible. My annual insurance I have seen their rates climb ever since my dog developed an arthritic condition. I talked to the President's office at Embrace to get some relief, and was told that I should blame the "State" and that Massachusetts pet insurance actuarial tables are driving the 50% increase in my premium. Human insurance rates can get expensive as well, but the cost for caring for the elderly is typically offset by the smaller claims they expect from the young.

If your dog has ever had tartar in the past noted in their chart or currently has tartar and is seen for a loose tooth requiring pain medication, forget about Embrace reimbursing. They'll use that as an excuse to deny a claim because they consider tartar a pre-existing condition. Which is absurd, because just about every dog or cat has tartar, yet, they advertise they cover dental problems to include extractions. This is bait and switch as far as I'm concerned. I've had my little dog Coco insured through Embrace, with a high deductible no less, since adopting her from a hoarding situation with 45 dogs when she was 11 months old, and they've pretty much denied every claim for one reason or another.

I never had pet insurance for any of my dogs in the past. When I adopted Mala who is a rescue from China I decided it would be worthwhile... it sure is! She lost some of the hair on her back this summer and we saw special vets. Embrace was right there to help with the cost of specialized vets and treatments. Fabulous company. I highly recommend!!

This was my first year using Pet Embrace and it has been a wonderful experience. My dog had some unexpected health issues during her first year, but I was so grateful to have Pet Embrace. Everyone I worked with was extremely helpful and pleasant to speak with. 10/10 would recommend this insurance to any pet owner!!

Embrace is a easy accessible pet insurance company, but costs increased exponentially as the years went on. I insured 2 dogs under a very good plan. So I expected to pay more. But a $200 annual increase kept going up over ten years to the last two years where the annual cost increased over $1000 per year. In other words for 2 dogs I started paying a little over $1000 a year to $4700 per year. And my dogs were not ill with a ton of claims. Overall I spent more on pet insurance and out of pocket than if I had just paid for everything my pets needed out of pocket. I understand that's the risk of insurance. But I've cancelled my policies and don't know if I'd do it again. For some though, I imagine insurance works our more in their favor.

If your dog has ever had a single lump no future lumps will ever be covered (and they all get them as they age), if your dog has the slightest bit of tarter no dental will ever be covered and basically anything that they’ve ever been checked out for, even if it was nothing…will never be covered. If they don’t like the notes your vet took, they will not reimburse you. Worst ever. I cancelled after wasting money on premiums for over a year.

I paid for pet insurance 11 years and hardly used it; We chose our pet from a breeder of merit. We feed her premium foods, have regular exercise and vet exams. Now that our dog is 11 years old, the price for insurance skyrocketed!!! It is no longer cost effective for us to pay the very high premium with a very high deductible. It ended up we paid for pet insurance for 11 years (around $7000). Instead, I wish I had opened a savings account for our dog to have money for vet bills as she ages!!

I feel that all this company does is try to find ways not to pay. My dog had a positive heartworm test from Gergi that was a false positive. The shelter put her on Heart worm medication that I had to give her every 2 weeks. Before I started the Meds the shelter called and said they did another test and it was negative so stop the medication and just give her the heartworm meds every month as normal dogs get it. Embrace wanted no part of this reasoning and denied my claim.

Don't buy this insurance unless you just bought a HEALTHY PET that has never been treated for any dental or urinary tract issues! Told by the agent selling the insurance my cats conditions would be covered and not considered preexisting if they had not been treated by a vet for teeth or UTI condition in the last 12 months. Agent told me they would request records and do review right away so could be determined if anything was preexisting. (I had 30 days to cancel if not satisfied with coverage). I filed a claim and after a week or so was emailed that vet not sending them records, this type of email went on for weeks with no resolution. I told them I cannot force the vet to do anything. Then received email stating records in line for review, then another week later was told needed records from the vet, then next week the records are in for review.

I’ve filed several claims with them in the past few years. My dogs are getting on in years and with that comes health scares. Their claims process is simple and timely. I’m extremely happy that I spend the money on pet insurance as it’s saved us financially from the multiple surgeries my dogs have undergone. The return on investment is terrific! They respond quickly to claims. I would recommend this company to anyone.

As an animal field professional I have always been an advocate for pet insurance but after having to use mine, I’m a true believer everyone should carry it. It has helped me make quick decisions and given me peace of mind financially in such a difficult time when my little kitty started having seizures. I was able to take him to the best hospitals and get the care he needed asap. We still have a long road to normal, but I’m glad to have Embrace on my team!

Horrible costumer service. Unresponsive, unprofessional, deceitful, to put it simply, they’re only interested in getting your money and will find any reason to denied your claims. Do your research. Most of the reviews are “sponsored” and therefore not true. It would be wise to go somewhere else for pet insurance.

I forgot to add Prescription drug option and he added it for me and sent me updated paperwork, great job done well!! Thank you for the quick job. Well done. It was easy and very quick to have him correct this problem, he was also very nice to work with. They took good care of me and my dog.

It's hard enough to work through a pet's illness and sickness, but the customer service team helped us significantly get organized, get the right documents in, and get a decision regarding coverages moving forward. Very grateful for the team's help so we could focus on the recovery of our babies.

New to pet parenting and wanted good insurance for my new kitten. I am currently a USAA member and came across Embrace during my search. I have had two claims paid out already. Very long wait for customer service, however, once they are on the call they are very helpful and patient. I have recommended Embrace to another person already.

Embrace has been easy to work with to file claims. Their website is very good and easy to navigate. I have, and will, recommend them. I have also called their tech line and have been pleased with its service. The call was handled by a tech, but he was so knowledgeable, confident, and clear, I thought I was speaking with a vet. And, this was an evening call when I could hear his kids in the background.

I wish my own health insurance was like this. My dog injured his paw on a hike, requiring a trip to the emergency vet clinic. After submitting my claim, I received an email only about a week later explaining everything that was covered. I had one question about an item not covered, and the folks at Embrace got quickly back to me with an adjusted claim including coverage for that item as well. I wish my own insurance was this transparent and timely, rather than the seemingly endless flow of bills, "refunds", and confusing explanations. Thank you, Embrace! Highly recommend 10/10!!!

I have had insurance on my Lab - Bailey - for 13 years since she was 3 months old. My claims were always handled promptly. I have had a lot of claims the last couple of years and I had no problems with the coverage. Sadly I had to put her down yesterday. I would definitely recommend Embrace & should I get another dog, I would use them again.

We have always had multiple pets during our 57 years of marriage and have used various pet insurance companies during that period. We currently have 2 cats that have been insured with Embrace Pet Insurance Company for 10+ years and Embrace has proven to us every step of the way that they are the best in the business. One of our cats acquired glaucoma 2+ years ago and was nearly blind when the condition was detected. The cat required complex laser eye surgery to regain her vision, plus recurring vet visit checkups and numerous eye-drops/other medications since completion of the successful surgery. We are pleased that the cat now seems to be doing well.

Our first big claim In 9 months. 2000. Was paid 90% in a fast manner and couldn't be happier with Embrace. I've had 2 other plans the past 20 years and this one pays the most with a lower deductible. Highly recommend. Premiums are high but very reasonable for the complete coverage. And loved the direct deposit.

My pet had surgery four months ago and I have submitted a lot of documents as well as talk with my vet about it and made numerous phone calls. I’ve also emailed nothing has been done about this claim which is worth a lot of money. It’s costing me a lot to have to keep this on a credit card and pay the interest. This Claims person has absolutely failed me, and I would never recommend Embrace to one single person.

I previously had Embrace as my pet insurance and decided to go back when I got a new dog. Embrace has a user friendly app and website. In addition, they always have live agents to assist if you do need to call in. Every time I’ve had to call it was an extremely pleasant experience. I always recommend Embrace to friends and family. Their prices are great but most importantly the employees are helpful and kind.

I sent in a claim for Riley for an Oct 2022 date of service. You requested the vet's notes for that service. Jefferson Vet Clinic emailed those notes to you the end of December. I then emailed the notes to you on June 29 2023. I have been told that the claim got "stuck" in the system and last time I checked in July, the claim was still on hold. I would like this claim resolved before I remove Riley from the policy as he passed away June 9.

We canceled our insurance on June 3, 2023, and they billed our account again in July of 2023. I called to report that billed us again and was notifed that will get a refund to us. We still have not received the refund. I was notified that will not remove the card we have on file for this old policy. They need to make it right.

The process is very easy thru the website and the customer service person (I think his name was Tony) was extremely thoughtful and went above and beyond to contact me when we were disconnected and left a very detailed message to help me. The processing was efficient and a check was sent to me within about a month of the claim for Ozzie. Thank you for making it easy!

I purchased health insurance for my healthy five year old golden retriever in August 2022. I selected the mid-range plan that covers illness and accidents and cost almost $90/ month. I submitted my first claim in November 2022 for a wellness visit. That claim was denied, which I expected. My dog developed an ear infection after a careless groomer let water get into my dog's ears. The bill was $420.00. This was an illness, so I expected coverage.

I have been with Embrace for multiple years and have always had a speedy and accurate payment on claims. I also use their wellness benefits to have wellness visits and grooming costs spread out over the year. As I said they have always been speedy but recently both the wellness and the illness claims have been slower. Overall I highly recommend the insurance

As several reviews have mentioned do not waste your money on this “insurance” because this company will find any and every reason to deny your claim. I had ONE claim for my dog and it took them over a month to process it and that was after they asked me to do the legwork (contacting my vets and obtaining documentation, submitting it etc.) only to deny the coverage more than a month later.

Our mastiff mix tore his cruciate ligament while playing, from the first appointment with X-rays and blood work, refills on medications, and through the surgery, Embrace processed the invoices and requested anything needed further from the vet. It all happened so quickly and efficiently with very little fuss or inconvenience. I would highly recommend Embrace pet insurance and am grateful I have both of my dogs insured.

It has been a comfort working with Embrace to insure my two senior pets. I felt supported by the coverage I selected. There was a variety of options for me to select the right insurance for each pet. When the last pet had passed this February, I was touched by the compassion Dana had for me and the situation. I had made several attempts over the months after my pet's death to contact Embrace but grew anxious and would hang up, overwhelmed by the finality. What had started out as a dreaded call because my dog had died, became an uplifting one that was finally completed. I am grateful to Embrace and will continue to insure further pets through them.

Initial medical record review for my pet took weeks, and ended in me having to educate the Embrace claims adjuster that Albon is the same drug as Sulfadimethoxine. I would expect that medical claims adjusters are experienced enough to review and understand the documents. (this concern was addressed directly with Embrace at the time) The other concern with the extended timing comes from blatant lies from Embrace claiming they contacted the vet clinics for records. I personally work for the vet clinic that they claimed they were contacting...They absolutely did not. (this concern was addressed directly with Embrace at the time)

My cat had to spend over a week in intensive care at the local veterinary hospital. When I submitted the claim, you all split the claim into several claims based on individual calendar dates. But my frustration is you left the diagnosis filled out only on the originating date's claim. While every other date for the remaining claims you left the diagnosis blank. The diagnosis isn't going to change for all the days he was in the hospital, it's going to be the exact same claim meaning the same diagnosis for every day in the Intensive Care. That seems like it should be common sense so why would your office have to keep calling my Veterinary office and asking the same question about what the diagnosis was for every single day of the claim? The diagnosis isn't going to change. Please review your policy and use some common sense if you need to split a claim up into multiple days. This is extremely frustrating and slows down the entire claim process.

I don’t know what I would have done without insurance when my dog got cancer. Because I have it I didn’t have to decide between her treatment and her life. The process is so simple and goes really quick. I never have to worry why something did or didn’t get through and they provide an explanation for everything so there’s no confusion.

I had them for a couple of years now and I have had no problem with them at all. All of the representatives I talk to even are so kind and compassionate. They paid out my claim with no problems and with such ease within 2 weeks. They are wonderful!

I properly met the deadlines for the physical exam for my golden puppy. This also included the orthopedics exam. I was paid out for the orthopedics exam which was around $35 and microchipping. However, when it came to my puppy contracting Giardia the claims required resubmission and I was sent a generic automatic response, it didn't relay what exactly was wrong with the invoice. So I resubmitted a better image, still had issues until I called and I was told all information including my full name, my pet's name, the date of service and I did so and resubmitted.

I’ve been so grateful for the consistently incredibly fast customer service and claim turnaround with Embrace. My service dog is the love of my life, I would do anything for her - and having the peace of mind knowing that if an emergency happens, like it did last week, we have a financial safety net. Last week we had a really scary day, with two trips to the vet - one of them being the ER. It was such a relief to tell them, “Run whatever tests you need” without worrying if I could afford this emergency. The contacts at Embrace are SO quick to examine your claim and if your policy covers your needs, the direct deposits show up within DAYS. I will be a loyal customer with Embrace as long as I have dogs, so the rest of my life. I am *not paid for this review, I’m just a very grateful dog mom.

I had a rough week with my cat, Bazinga, where he needed multiple visits to the vet. With my illness & emergency coverage plan, I was able to get 80% of the totals refunded within the next 2 days for both his emergency visit and the 2 follow up appointments he needed as well as coverage for his prescriptions.

The agent was knowledgeable, pleasant, courteous, and helpful. He listened to my questions before offering answers and carefully constructed the answers to be within the policy provisions. I've used Embrace for years and found interpretation of their provisions to be fair and equitable. Their website is easy to use. Filing claims is also easy. Embrace is responsive.

It’s all **. They cover nothing always have any. My dog went in twice for hurting his foot, and for some reason it wasn’t covered. It’s always an excuse and long wait time and they will get back to you via email which is always six months later. And all you get is a rejection.

We have only had pet insurance through Embrace for a short time but they have been a joy to deal with, representatives are always prompt to respond and helpful. Having had a number of health issues in the past for our older dogs wishing we had acquired pet insurance, I am so glad we did this time for our new pup.

I was not told the truth in the beginning. I have 2 precious cockers that mean the world to me. But, I pay so much for vets, pay a high price for insurance with minimal return. I have it for emergency but the company should help more for pets and families. It is the reason why we have so many animals living their lives in cages and euthanized because they can't afford vet bills and way too high cost insurance that ends in minimal return!!!

I was shopping around comparing prices for insurance for my dog, Buddy. I was pleasantly surprised to find that I was able to get much better coverage with Embrace insurance for the same price I was paying for my current policy with a different insurer. Signing up using the computer was very easy and quick. The different insurance options were presented in a very clear and easy to read manner. I had my new coverage set up within minutes. The customer service team is very responsive and capable. I am sure that whenever I need to submit a claim to Embrace, it will be handled smoothly and quickly.

Getting our first ER visit covered was difficult as my dog was a new puppy. They wanted medical records that did not exist since he was only 10 weeks old. After figuring that out, we have loved having embrace. It has really saved our wallets since we have an accident prone pup.

I had submitted a claim and it was denied for my dog because she had gone to the vet for the same symptoms although the diagnose was different which took place a month later. After my initial vet appointment my dog didn't get better so when I took her back she received more meds and unfortunately that wasn't covered since the initial visit didn't help her heal.

I bought pet insurance for my dog about 2 years ago. Unfortunately, I had to use it when he developed a large tumor in his abdomen. I was honestly skeptical that my claim would get covered, but it did! The process was easy and the company was always polite and very easy to deal with. I would expect nothing less from a USAA company. It's unfortunate, that he was noted to have mild age-related decrease in mobility in his hips, which precluded any coverage of his back legs due to a pre-existing condition. Therefore, his bilateral ACL repairs weren't covered. Despite this, I would recommend this product.

I’ve been with Embrace a number of years. My pets are healthy. Embrace excessively raise rates. They raised it $100 a month this year and took away my earned deductible credits. I’ve only made 2 minor claims and they were 5 years ago. I’ve changed my deductible and premium payment 3 times because of their increases to keep it halfway reasonable. They are thieves. I can’t believe they took away credits I have earned from years of no claims. I can’t drop them because if my dogs need treatment another company could say it’s preexisting if it’s related issues. They know you can’t change carriers so they have out line price increases. Crooks.

Please do not ever take Embrace Pet Insurance. They charge you and don't live up or are intent on customer experience. They are a complete waste of money and time. I for one would not be looking at their insurance ever again.

Embrace's policies are written in a way that demonstrates very clearly their lack of care or concern for animal welfare. The waiting periods, the exclusions, it's all predatory and insidious. Did you know that the waiting period for orthopedic issues includes trauma and accidents? If you insure a dog and, during the orthopedic waiting period, they are hit by a car and suffer a broken leg, Embrace will not cover that (even though clearly being hit by a car is not breaking a leg due to a pre-existing condition, it's being broken due to trauma) -- and, furthermore, they will use that incident as an excuse to forego coverage for all musculoskeletal issues for at least a year, or perhaps the rest of the dog's life.

Sarah said there was some confsuion about my claim because of the way the vet checked off the boxes, and based on the vet's notes, Sarah is having the claim re-evaluated. Sarah was extrememly helpful! I really hope the claim will be looked into and the vet's notes carefully read because usually these visits to the vet are covered.

Embrace Pet Insurance (associated with USAA) is very affordable and has options to get reimbursed for grooming, training, as well as hospital visits and emergencies. The staff is very courteous and helpful. I highly recommend Embrace Pet Insurance.

Never had pet insurance before, never will again, if this treatment is typical. They lied about reimbursement for behavorial training if requested by Vet; disallowed it. Sent in my invoices for treatment at Vet Hospital. Never heard for 6 weeks. Called to find out why. Said they had received them and would get right on it. Two days later, received a copy of the letter they sent to my Vet requesting a copy of invoices for treatment that I had already sent! Did they think I made up the entire invoices, and these were all bogus charges? Do not want to be with a company that does not trust their own client. Glaringly apparent, I will not be renewing.

I’m not a fan. I paid it for 16 months because I didn’t have the cash available should something serious happen. But my first experience submitting claims was ridiculous. They asked for access to all of my 3 dogs' medical records then listed everything that they’ve been seen for as a pre-existing condition. For example - One of my dogs had had diarrhea so they listed stomach trouble as pre-existing and said she wouldn’t be covered for future diarrhea. No, one round of diarrhea does not make a pre-existing condition. My vet agreed that just because they’d been seen for various issues in the past, those issues were treated and didn’t require ongoing care. As such, they weren’t pre-existing conditions. My vet offered to do the documentation for all 3 dogs but I didn’t bother. Between not covering routine care & then the pre-ex **, I knew that I wouldn’t buy indefinite coverage.

This company is not trustworthy. I have paid 3 years insurance for my 3 dogs, they did not pay any medical invoice for my dogs during three years. Always the excuses that my dogs have pre-existing condition.

I have had Embrace for almost a year after switching from another carrier. So far I am quite pleased with how they have handled my claim, the knowledge of their staff when I call with questions. I will continue to use them for my Pet needs. I love my pets like my kids and want to make sure if the need arises for their care I am able to provide all necessary treatment for their recovery.

Had Embrace for over 10 years for 3 pets. My first two dogs died naturally so I never had any claims under embrace at all. My third dog as she approached double digits in age. The premium went up 150% several years in a row. I went from paying less than $30 to paying $100 per month for coverage. I never had an illness claim. This was for only a max of $8,000 in reimbursement at an 80% coverage rate. They may be decent coverage for the first year or two of your pet, but do not rely on them for a long-term plan!

As I said he was very kind and took his time with me. I am 77 years old and needed him to repeat things several times as I did not understand some things. He suggested I go with a lower timeline as he felt that was all I needed. He is an asset to your company.

With the state of human health insurance being such a scam and companies looking for everything in the fine print to never help the customers paying thousands per year for their health insurance, I was almost starting to think of cancelling my pet insurance with Embrace. I just filed my first claims with embrace a month ago after my dog got injured and then had an eye infection. Wow. No fuss, no tons of challenging my claims and making me fight tooth and nail for reimbursements. I provided the invoices, and was paid back within days. Couldn’t believe how easy the experience was, and I am very thankful. I love my dog more than anything, so will for sure be keeping him on insurance with Embrace forever, even though I hope and pray nothing bad ever happens to him again. Thank you.

When searching for the right coverage it was a challenge because there are so many to choose from. But what made it easy to select Embrace are these items: Affordability, Availability, Convenience and most importantly integrity of the product and customer service friendliness, these are the items which I used to proceed with choosing Embrace over many other pet insurances.

I've overall had a great experience with Embrace Pet Insurance. It was easy to setup as a new customer as well as automatic payments. The claims process was also very easy and fast. No complaints here and I will continue to use them as my pet insurance for my pup.

I decided to get my French Bulldog his BOAS surgery and didn’t fully understand that I’m supposed to come out of my pocket 100%, which to me isn’t cool considering if the surgery or further surgeries needed may come to be even more expensive and this isn’t how insurance should work. I should only have the pay the amount that the insurance would not cover and because of this, I had to wait over a month for my reimbursement check that never came, so I had to call and check to see where the reimbursement check was, only to find out I now have to wait another 2 weeks while they investigate?? Why does the investigation take that long when all that is needed is to see if the check got cashed or not.

My 11 yr old Jack Russell Terrier (Buddy) went to a local animal hospital because he was falling down a lot and he keeps walking in circles. He was diagnosed with arthritis, liver function issues and possible cognitive brain function issue. We were given meds for his brain function and liver enzyme problem and pain. All those were not pre-existing conditions within 1 yr of me getting Buddy's insurance policy. After Embrace reviewed documents from the hospital and Buddy's vet, they paid almost all of the $1,100 bill except for $450 deductible remaining for the year and a small amount of around $60. The review took a few weeks. I'm a happy camper!

I have been a client of Embrace for a number of years now, I have always had the best of experiences when having to work with them during difficult and emotional times. Just like human health insurance, you don't contact them just to say "Hi!," you contact them when there are issues. The agents and staff at Embrace are some of the nicest people that I have had the pleasure of doing business with. They are empathetic, quick to respond, and very helpful. The prices are reasonable too.

One of my cats was recently really sick and spent a few nights at the veterinary emergency room. I'm so grateful I chose to get Embrace Pet Insurance!! They have made an extremely stressful situation better by covering a lot of the financial burden. I will continue to use Embrace for all of my pets!

Dealing with Embrace has been the worst insurance experience ever. Even after providing all the information to obtain pet's records, they sent several emails saying they were unable to get records. After tests were ran to ensure my new kitten's health and no disease was found, they excluded major coverage. Since the policy was not meant to cover routine care, excluding major illness made the policy useless for my pet so I requested the policy be cancelled and a refund for the policy. They refused to refund any portion of the premium. I called several times but was not allowed to speak with anyone making coverage decisions or anyone in charge of the decision. I was told someone would review my request and then I received emails disallowing coverage. I would not recommend Embrace for any pet owner.

I have so far processed about three claims with Embrace and every time I got response within 3 business days. It also got directly deposited in my bank in a day. Very pleased with their service. Also the customer service reps are super friendly and very patient and courteous. Hope to get the same kind of gold service in the future too.

Embrace is the best pet insurance out there. Not only does Embrace provide excellent customer service, they also provide peace of mind during trying times with our pets. When we recently lost our beautiful boy, Becker, Embrace was there, answering questions and making sure the claims process was easily understood. I cannot recommend them highly enough. We will continue to use Embrace with our next little boy or girl pup.

I have had an excellent experience insuring my dog with Embrace. In reading some of the low reviews it seems some of the poor ratings are a result of confusion in setting up the policy. At start up, the pet parent decides on the deductible (out of pocket costs) that must be met prior to reimbursement, along with the percentage of reimbursement you are paid after you have met your deductible. As you select options in the program, you see the change in the premium according to what you choose. I found it very helpful. I have never had a delay in receiving a check. The only time a claim was stalled was due to an invoice I submitted that was not clear. Embrace reached out to my Vet who supplied them the information. It all worked very well. I love the Wellness money which is basically an HSA. I recently enrolled a second dog which gives me a discount for having 2 dogs on the plan. I am very satisfied and recommend the plan.

Thanks to Embrace, what could have been a wallet-draining experience was just a bump in the road. When two of our Shelties demolished a two-pound box of chocolate chip cookies, we didn’t hesitate to do everything possible to save them. Embrace covered the vet and the overnight stay in the ICU. Filing was easy, and the checks came fast! We recommend Embrace to all our friends.

The process was straight forward and the instructions were easy to follow. I much prefer using the online form, fast and convenient. I was kept up-to-date about the progress of my claim and received my reimbursement promptly. I highly recommend Embrace Pet Insurance.

#1 denial - a wasp sting exam and treatment Stated I needed to submit a pre-sting physical exam, which had nothing to do with the wasp sting emergency. #2 denial - A major broken back tooth extraction. Stated there was a pre-existing tartar condition prior to the policy commencement. This was not true. It seems like they try to find every way to deny a claim. I have found a plan with a different company with much better coverage and better explanations of their coverage.

I am new to buying pet insurance for my new puppy and my 3 year old Cavaliers. Once I signed up with Embrace, I could never get a clear answer out of anyone at the company as to whether or not my pets were labeled with pre-existing conditions that I would not know anything about until some future date when I had a claim. Their on line help is no help since it is a robot answering. The automated emails they send saying they are "evaluating the claim" is one delay after another. After two months of the "run around" I cancelled the insurance for both pets. Only to find out that they will not give a refund (even though I did not use their insurance at all) because the 30 day window was past. I feel I was "taken for a ride". I will be submitting a complaint to the Better Business Bureau.

Embrace has done nothing but deny my claims for my dog Morgan. I am trying to get more information as to the documentary support for their denials, but so far I have gotten nothing in response to numerous requests on different platforms. I fully understand preexisting conditions, but need more explanation than canned denials based on the same. At present, I would not recommend this pet insurer. I will update this review if I get more information and am satisfied with their efforts.

Never had any claims for my dog with this insurance, but just received a new premium with a 40% increase. Now, it is $60 per month instead of $42. Greedy bastards, taking the COVID and economy as an excuse.

I simply wished to understand all facets of insurance policies and programs, as well as the financial possibilities and wellness policy, and I got my answers clearly and kindly. So far I am very impressed and I am now enrolled.

Amazingly, after publishing multiple reviews about my experience yesterday, today I received confirmation of my claims being processed. I'll take it.

I got the insurance and soon after my cat got kidney disease. I was really saved a lot of money. All the workers were very kind. The payments were very quick to come into my account and I never had to wait long for customer service.

I have been very pleased with Embrace since I enrolled my rescue cat Jax in October 2022. Their website is easy to navigate and contains relevant information, including how to check on the status of a claim. They have answered my questions quickly and they processed my claim promptly.

Our little gobbler (aka, Fraizer the cutest dog in OldeTowne) required a second surgery for a small intestinal blockage in less than a year! Embrace covered both without a squawk. All we did was provide a detailed receipt, and they did the rest. We were reimbursed well before our credit card payment was due. We are retirees, so are mindful of costs, and Embrace is an absolute necessity. We chose a policy and deductible that suits our budget. We are so thankful for the peace of mind that Embrace gives us.

I would like to thank the staff of the company who helped me resolve issues with my pet's medical records, provided all the clarifications I needed and reimbursed my claims as quickly as possible. I see that these people really love pets and help take care of them.

My 4 year old pup was just diagnosed with cancer and I have to say that Embrace has processed my claims so quickly and kept me informed of the process the entire time. I cannot believe how quickly they sent me the check to help at this horrible time. I am extremely impressed of their professionalism and respect toward my girl. I already referred them to many.

Very much let down on allowance. The bill was $575.00. We received about 2 months of what we pay monthly. We are in process of looking into a proper insurance company. I don’t think we ever received the claim amount that was approved for Teddy.

I purchased a pet insurance policy for my cat, Hazel almost a year ago. I was so happy that I did because Hazel became unexpectedly ill on two occasions this past year which required emergency room visits. The hospital bills were very expensive but Embrace covered everything they said they would and processed the claims quickly. I would definitely recommend this company!

My cat Twinkle just got health insurance last Friday. Hannah explained the policy efficiently and answered all my questions. She gave me great quality advice on how to use my new pet insurance. She encouraged me to recommend it to my friends and family who have pets.

First time ever purchasing pet insurance and are so glad we did. Our bulldog had to have emergency ACL surgery at age three. We met our deductible and recovered 90% of the cost. Embrace made it very easy with claim remittance via online. It took about two+ weeks for the entire process. We will continue with Embrace Pet Insurance and recommend highly to everyone. Thank you Embrace for the fantastic service. Jim and Anne

Submitting a claim is easy and response is quick. My dog had to have surgery and my reimbursement with direct deposit took only a few days. I am grateful to have this insurance and it would have been a huge financial burden without this coverage.

I've had my boxer insured with Embrace Pet Insurance and I am so glad we are. Embrace has taken care of all our needs and claims promptly and efficiently. Cannot imagine not have pet insurance. We have both the Wellness and the Accident and Illness. Superb!!

I am a first time pet insurance client and am so happy that I chose Embrace. Their staff is knowledgeable, helpful, kind, compassionate, and patient with all my questions. Response time to inquiries is almost immediate. Filing a claim is so easy. The staff genuinely cares for the wellbeing of my fur baby. My fur baby and me are not just a policy number. I cannot praise Embrace enough. During illness/accident/injury of your fur baby, the last thing you want to worry about is insurance, but Embrace is always there to lend a hand and with a kind word. Kudos Embrace.

I purchased embrace insurance when I first got my kitten. He had an upper respiratory infection when I adopted him from the shelter, which gave my other cat pneumonia. 7 months later, he developed asthma for which he had to go to the emergency hospital because he couldn’t breathe. My original claim for his asthma was rejected because they said he had a cough from his URI when he was a kitten and so it was pre-existing. I appealed and THAT claim was rejected because they said they couldn’t be sure that his newest symptoms were from asthma, or if it was a URI and therefore pre-existing (as if a cold lasts for 7 months).

Unfortunately Embrace Insurance is not reliable. When you submit an insurance claim that should be covered, they argue that they need more paperwork or that the paperwork provided by the actual vet is not valid. I have been declined for both the claims I submitted and feel that I have wasted my money paying into this insurance. Although their customer service representative are professional and nice on the phone, they are useless. I would highly recommend looking into another pet insurance company because this one will just give you a headache and will not meet your expectations.

I had a dog who was insured for 15 years through another company. I now have a 3-year-old Brussels griffon and given reviews, I insured her through Embrace. My vet was having a discount on teeth cleaning. I asked if I should sign my dog up for this preventative dental cleaning. He hemmed and hawed and then said I probably should given her age and because she was a small dog. So I signed her up for that preventative dental procedure. I submitted the dental procedure bill to Embrace. Embrace reviewed the vet records. They then denied the claim saying my dog has a luxating patella...as well as "some" tartar.

Company is unable to process initial claim for our pet in less than 30 days with excuse of awaiting medical records. There was a gap of less than 2 months medical information from a completely different vet. I don’t believe there was a single visit to that vet at that time. Instead of sending repeat email requests for medical record pick up the phone like I did and the medical records were sent that same day. Additionally when we adopted a new pup this year we noticed that the policy available offered better coverage at a reduced rate. Company advised to switch our ~1 year old pup to the better plan, we’d have to wait again through same period as the newly acquired pet although our first pup had been covered by their company for nearly 1 year. Doesn’t make sense to reward new clients with better coverage especially when the pup in question had zero claims and was under coverage of your policy.

Having insured my dogs with Embrace has been one of the best decisions I have made in my life, they have perfectly covered each of my pets' medical events, especially my dog ​​Leo because he turned out to be an epileptic dog, they have been there attending to each of the emergencies. Embrace has been a blessing and a peace giver in the midst of all that having an epileptic dog entails.

Hallie was amazing. She was very kind, helpful, and knowledgeable. She answered every question I had and even helped with light tech support. I ended our call with so much peace of mind. I know how to file a claim when the time comes.

My dog has a couple of checkups and all done for some things that were not right with him. The staff were very helpful with getting things pre-approved and letting me know what to do. It has been a helpful insurance so far.

So I had my 1st claim for my dog. I will say I didn’t like hearing it could take up to 30 days because they pulled all of his records from the vet. I did appreciate being kept in on what steps they were on with the process. It was taking the vet I go to a minute to provide them with what they needed so I was able to see that & call myself & tell them to provide the information requested. Things moved quicker after that & it was approved. The second claim for the same illness was approved fast because they had all the info. So overall I was satisfied & was out of pocket only for about 3 weeks.

This loss was especially difficult given the age of our dog and the quick decline leading to our need to euthanize her. She was only 7 years old and we had her with us exactly 2 years to the day when we had to say goodbye. The claims representatives were very compassionate and helpful in explaining how to file my claim and what coverages we had. Once we submitted the necessary invoices, the claim was reviewed and we received the payments for this claim. In addition we received a lovely tribute sympathy card from the claims rep who we worked with. I will definitely return as a customer once we have adopted another Golden Retriever.

We waited the required waiting period while they reviewed our Pet's records. No information was enough. We sent all his records from the time we got him to his age now. Same vet. After the waiting period we were cleared and then we were not when we submitted a claim. They wanted more details on our pet. Why he’s shakes. Because he hated the car and we took him to vet see if we could calm him down. He just hates car rides. He had a cyst. Near his eye that was drained that was then permanently denied. He is a hypoallergenic dog and he rolled in grass and got itchy. Now it’s preexisting. Never covered. He was running for a ball and step in a hole. Muscle tenderness that’s it. Permanently denied. Save your money. Put it in an account for your pet. These people will hound you for information you can not provide to prove your dog has preexisting everything.

Not only am I pleased with a timely response for my claim. I am also very grateful that I could get insurance through another carrier. The previous carrier doubled my rate from the previous year, which made insurance for my pet unaffordable. I’m pleased to be doing business with Embrace, and look forward to many more Years.

Embrace covers everything Nationwide doesn't for our pets. Found out the hard way. Dobermans are prone to DCM (dilated cardiomyopathy). Guess what Virgina? That's one of the conditions Nationwide Pet Insurance excludes. (Ouch). I've learned the hard way. So do yourself a favor. Pet insurance costs. Not having it costs far more.

We are seniors living on a fixed income. We got the most acceptable affordable terms from Embrace. There's a lot of pet insurers out there but for the money, you will be hard-pressed to find coverage at a reasonable deduction rate. Covers every situation.

I am trying Pawprotect. I know there is a 2 day waiting period for accident coverage and a 14 day limit to getting medical records. I have sent everything medical exam and shot records. That was more than required. I got a cc email today asking the adoption organization I went through for medical records to help process my claim. I have not made a claim. I called them and asked what was going on. They said they were asking for medical exam records. I said, "I sent it, did you receive it?" They said yes. So I asked if I would still be waiting if my pup became ill. He said, "Yes. Pending review." I asked then would they have done the review automatically to confirm they had all I needed prior to a claim and he said no. That I would have still had to wait in the event of illness. I had to then ask were there any other delays. He said the orthopedic coverage is 6 months. I don't recall seeing that but I will look again.

The staff that I have felt with are knowledgeable, friendly, and courteous. When I have submitted a claim it was handled quickly and was sent a check (direct deposit) promptly. I do not know what else to say at this point except that I am truly satisfied with your company.

Horrible claims process and most of the customer service reps are not very informative or willing to give any pertinent information on my specific claims. I have only spoken to one friendly customer service representative as all the others seem to be upset that I'm bothering them with questions. I have two claims that are now over 30 days old and still have no resolution on the claim status. I work in the insurance industry and manage extensive home, auto, and personal liability claim scenarios continuously and have never had any claim take over 30 days to just get a simple claim status answer. I issued the policy due to the reviews I read online and now if I try to move coverage to another pet insurance company, I'm afraid and know certain illnesses will not be covered due to the pre-existing condition clause that is on ALL pet insurance policies. Maybe others have better luck with this company, so far, I have not.

Not only has Embrace lived up to all my expectations, but more importantly- they care! After 30+ years in having animals, I finally decided it was time to get pet insurance. I purchased both well care as well as sick/injury. 5-1/2 months later, our 12 year old dog got very sick and was hospitalized in the ICU for 5 days. Embrace covered everything they were supposed to from the hospitalization as well as her follow up care. Unfortunately, our sweet girl died a month later.

My dog became very ill and we almost lost her. The company and their employees was patient and sympathetic during her 2 plus years of recovery. I truly felt they understood the anxiety and grief I was going through thinking I may lose my beloved pet

My older pug had a few health issues recently and I appreciate these last two vet visits for Poppy being partially covered, and I appreciate the ease of filing a claim through Embrace. I think in future my vet may even be able to file for me!

Subsequent to having a billing issue with my credit card, I contacted Embrace, whereupon I was assisted by Jessie. Jessie was patient, pleasant, and resolved my issue in a professional manner. If all employees of Embrace are of the caliber of Jessie, this company is outstanding!