Embrace Pet Insurance Reviews
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About Embrace Pet Insurance
Embrace Pet Insurance offers coverage for dogs and cats and reimburses pet owners for preventative veterinary care, grooming and behavioral training with no per-item limits. Embrace charges a monthly premium and helps cover expenses if your pet needs emergency medical attention or another service.
Visit www.embracepetinsurance.com- Use any vet
- Offers vanishing deductible
- Accident-only coverage
- Not all policies available online
- No zero-deductible options
Embrace Pet Insurance Reviews
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Updated review: April 20, 2024
Upon appeal with Embrace and further documentation from the vet, they did approve the claim.
Original Review: March 6, 2024
Short version: I bought Embrace Pet Insurance on 7/8/23, my dog had nausea and vomiting because of a 24 hour inflammation his small intestine on 9/7/23 so that made nausea and vomiting a pre-existing condition, so they denied a $1000 a 24 hour inflammation of pancreas claim on 2/19/2024, so any time he vomits before 2/19/2025 despite of cause, they can deny paying a cent toward his care.
32. Pre-existing Condition(s) means:
a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
PART IV – EXCLUSIONSi. If your Pet has been treated for Undiagnosed vomiting and/or diarrhea prior to the end of your Pet’s Waiting Period, your Pet must be free of conditions with the same Clinical Signs for twelve (12) consecutive months before any conditions with the same Clinical Signs may be covered again.
We do however distinguish between temporary and permanent pre-existing conditions. If a pre-existing conditions is deemed temporary, if your pet goes 12 consecutive months without any recurrent signs or symptoms it could be eligible for expiration so we can provide coverage in the future. If you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed March 6, 2024
Ever since I started an insurance policy with Embrace for Pipa, I've encountered a couple of medical incidents with her. Embrace has consistently provided the assistance she needed and supported me financially. I truly appreciate being part of the Embrace family. I never had an Insurance policy that was that friendly and supportive as Embrace.
Thank you so much for sharing your experience, Marcelo! We're truly delighted to hear that we've been able to support you and Pipa during those medical incidents. Thank you for being part of the Embrace family!
Reviewed March 4, 2024
Carried the insurance for almost two years for two pups before submitting a claim for an anal gland issue. It was denied because they said it was a pre-existing dermatological issue and they would not ever cover it or any other dermatology issues since it was a pre-existing condition. My dog was prescribed ** one time years ago for a bout of itching that was considered seasonal. This particular claim was for an anal gland issue and her anal glands had to be expressed. It was not dermatology related. I cancelled my policies immediately. Sadly, we were referred to them by USAA as my husband has been a USAA member for 57 years. I am very disappointed and will not ever recommend Embrace Pet Insurance. Quite a few folks have had similar experiences with them!
32. Pre-existing Condition(s) means:
a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
PART IV – EXCLUSIONSi. If your Pet showed Clinical Signs of any Dermatological Condition prior to the end of the Waiting Period, your Pet must be free of any Dermatological Conditions for twelve (12) consecutive months before any Dermatological Conditions may be covered again.
As mentioned, we do distinguish between temporary and permanent pre-existing conditions. If a pre-existing conditions is deemed temporary, if your pet goes 12 consecutive months without any recurrent signs or symptoms it could be eligible for expiration so we can provide coverage in the future. If you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed March 3, 2024
My vet's office has one receptionist who's known us 6 years, and will still file with insurance for us. I received a notice from Embrace that the routing number for my bank doesn't work. In other past insurances (like Medicare), if you owe them money it's a penalty. If they owe you money you're lucky to get a fair amount that you give up trying. We have peace of mind that with paying Embrace's fees, it's well worth it to have a company who doesn't give up trying for beloved pets and their families.
Thank you for your positive feedback, Kathleen! It's reassuring to hear that Embrace's commitment to resolving issues and providing support brings peace of mind for you and your beloved pets.
Reviewed March 2, 2024
From the moment I contacted Embrace regarding my concern the representative who assisted was fully aware of the policy and had no issues assisting with my concerns. Submitting a claim with Embrace was easy. The best part was the claim was reviewed and processed within 24 hours of submission. It was a hassle free experience. Definitely recommend Embrace to everyone.
Thank you for sharing your experience, Lupe! We're thrilled to hear that submitting a claim with Embrace was easy and hassle-free for you. Your recommendation means a lot to us!
Reviewed March 1, 2024
My Madison tore her right CCL and required corrective surgery (claim #1). The next week, she tore the left CCL, again requiring corrective surgery (claim #2). With the added lab work (claim #3) and the Laser Pain Management treatments (claim #4), Embrace came through very quickly and fairly. Highly recommend Embrace.
Thank you for sharing your experience, Glenn! We're pleased to have been able to provide great service and support during such a challenging time for Madison. Wishing her a quick recovery! Your recommendation means a lot to us.
Reviewed Feb. 29, 2024
We have had many, many expensive surgeries, exams, and treatments during the 13+ years we have had Embrace Pet Insurance to help us with the payment of our dog's medical expenses. (Our dog was simply unlucky health-wise.) The Embrace teams are very kind and helpful if we have questions about any aspect of our dog's pet insurance.
We're truly grateful for your kind words and loyalty over the years, Darlene! It's unfortunate to hear that your dog has faced health challenges, but we're glad to have been there to support you through it.
Reviewed Feb. 29, 2024
I am a CVT and see the difference having pet insurance does and can make the difference of getting a loved one the care they need. When an owner has to choose between services when all are needed. Or just having the peace of mind that your loved one will receive the care needed. I recommend pet insurance every chance I get. Having my girls covered has already paid for itself.
Thank you for sharing your valuable perspective as a CVT, Ariel! We appreciate your insight into the importance of pet insurance in ensuring that beloved pets receive the care they need without financial constraints. It's heartening to hear that having insurance for your girls has already proven beneficial.
Reviewed Feb. 28, 2024
I recently had to file four claims for my sick dog. This was my first time ever using the insurance. The process was very easy and quick. I’m pleased that they accepted my claims, and my reimbursement is on its way. Great experience and I will definitely recommend! Thank you!
Thank you for sharing your experience, Carolyn! We're delighted to hear that your first encounter with our insurance was a positive one. We appreciate your recommendation and are grateful for your trust in us to care for your furry friend. We hope they are feeling better!
Reviewed Feb. 28, 2024
They do everything in their power to try and figure out how not to cover your pet. If your pet has any pre-existing conditions don’t waste your time with the company. They do any and everything to connect an illness to the condition. My pup was diagnosed with cancer and ended up passing after having a fight with pneumonia. They didn’t cover the visit for pneumonia because they looked in his record and it stated he has a blood clot. They turned around and tried to say it was a mass that could have caused his pneumonia. Even though there is record of the clot being gone. Even though this clot/mass wasn’t on his list of pre-existing conditions that they create. Now it is advantageous for them over a year into the policy so they bring it up. Please beware I am sure there are more honest pet insurances out there.
First and foremost, Calvin, we are so sorry to hear about the passing of your furry companion. We know losing a loved one is not easy, and having to follow up with us afterward can be difficult. We want to be upfront about our coverage and the exclusion of pre-existing conditions, which is defined and agreed upon in our terms and conditions. We're aware that you've contacted us regarding your concerns, and our claims team is diligently gathering additional information. Rest assured, they will promptly follow up with you as soon as they have more details. Should you wish to inquire about the status, please don't hesitate to reach out to us at 800-511-9172. We're here to provide any further assistance you may need.
Reviewed Feb. 28, 2024
Next year I will wait until the new year of policy begins prior to scheduling wellness checkup with shots. As it became an expensive experience as had used the wellness for the yearly heart gard, nex gard. and saw vet for wellness checkup before expiration of yearly wellness. Thanks Jean
Thank you for sharing your feedback, Jean. We do offer an optional Wellness Rewards Program that you can add on in addition to the Accident and Illness Policy. Wellness Rewards reimburses for routine and preventative care such as vaccines, flea/tick/heartworm preventatives, spay/neuter procedures, dental cleanings, grooming, and training costs! Wellness is not insurance; it functions like a health savings account, helping you budget for your pet’s routine care expenses, with Embrace providing additional rewards for proactive pet care. Wellness is reimbursed at 100% up to the annual allowance you choose and coincides with your 12-month policy term. The program offers three annual allowance options: $250, $450, and $650. If you are interested in changing your wellness allowance or have any additional questions or concerns, please give us a call at 800-511-9172, and one of our Customer Care Embracers would be happy to assist you!
Reviewed Feb. 28, 2024
Multiple claims for xena have not been processed for 1 month now - Embrace has received all information on xena & any recent visits xena has had. All information has been provided to embrace & I am waiting on 4 claims to be completed. I understand this process may take up to 4 weeks & I am unsure of why embrace would still be missing certain information/records? There are no additional records available other than her recent visit at Smithridge veterinary center & past visit at new Fairfield animal hospital… & I have already explained this to customer service. Can someone please assist to complete these claims?
We are sorry to hear about your frustration with the claims process, Gabrielle. Although we try to process claims as quickly as possible, sometimes it can take longer to process the first accident or illness claims as we gather your pet's complete medical history for the medical history review. The review can take up to 30 business days to complete once we have received all the necessary medical history. Your claims will remain in a pending status while we are still reviewing all of the documents. The good news is that once your pet's medical history has been established, future claims tend to process much quicker, and our standard processing time is 10-15 business days. You are always welcome to reach out to us at 800-511-9172 to check on the status of a claim, and we are happy to help!
Reviewed Feb. 28, 2024
Embrace has been our reliable animal care partner for over a decade. We have recommended this company to many people, all of whom are equally happy. Phone calls are always answered by knowledgeable and caring people, the app is great, and claims are processed quickly and fairly. Thank you for helping us take excellent care of our family.
Thank you so much for your kind words and for entrusting us with the care of your furry family members for over a decade, Laura! We greatly appreciate your loyalty and are thrilled to hear that you've had such positive experiences with Embrace. It's wonderful to know that our knowledgeable and caring team, user-friendly app, and efficient claims processing have contributed to your satisfaction.
Reviewed Feb. 27, 2024
Because we do not have the ability to scan documents to our computers, I called to ask if we could have forms sent to us. Derek acted quickly to say that they could, which I appreciated. It is comforting to know that our kitties are insured and that we can be reimbursed for their medical bills.
Thank you for taking the time to share your experience, Jan. We're so glad to be of assistance and help provide peace of mind for your kitties' well-being!
Reviewed Feb. 27, 2024
I would really think twice about using Embrace. They seem to always find something missing or incorrect with every claim that is submitted. No matter what information is sent, it never satisfies the claim. None of the claims I submitted were ever paid. I am switching back to Healthy Paws.
Hello Kenneth,
I'm sorry for any disappointment you experienced with your policy! In order for us to process any accident or illness claims, we need to first confirm we have the pet's full pre-policy medical history on file. We look for the detailed chart notes from any exams/visits that occurred within the 12 months prior to starting the policy and through the initial waiting periods. This does not mean we need a full 12 months of records (for example, if the pet was recently born or a newer addition to your family), that is just the parameter we set for any pet to make sure there was a sufficient pre-policy exam done and so that we receive the required records! I see you've already spoken with a representative in regard to the pending records and we are sad to see you go, but we understand you must do what you feel is best for you and your pet. If you have any additional questions, please give us a call at 800-511-9172 and we're happy to help.
Reviewed Feb. 27, 2024
I've been with the company, paying their premiums for 3 years. I've only ever filed 2 claims, both within the last 2 months for 2 different animals. They have had a reason to not pay out for either occurrence. I would not recommend giving the company a dime. You will be eating the cost of your vet visit regardless.
Hello Brice,
I'm sorry for any disappointment you experienced with your claims! Our only requirement in order for the coverage to take effect at the end of the initial waiting periods is that your pet was seen for a documented physical exam by a licensed vet either within the 12 months prior to the start date of the policy or within the first 14 days. We do strive to be as upfront as possible in regard to the terms and conditions of the policy, with it being noted in the acknowledgements that have to be agreed to upon purchase and in our onboarding emails. I see you've already spoken with a representative and we are sad to see you go, but we understand you must do what you feel is best for you and your pet. If you have any additional questions, please give us a call at 800-511-9172 and we're happy to help.
Reviewed Feb. 25, 2024
I don’t understand why they continued to send requests to both me and the vet after we had sent them the information. I spoke to the vet's office and they informed me that had forwarded all of the information they had to the insurance company, but the claim has still not gone through a month later and they continue to request the same information they’ve already received. I’m very much wondering if it’s worth continuing to be a customer.
Hello Elisa,
I'm sorry for any disappointment you experienced with your claims! Although we try to process claims as quickly as possible, sometimes they can be delayed if we are waiting on any required documentation to process the claim (complete invoice, clear diagnosis/reason for the visit, or medical records). When we are missing information, our standard procedure is to reach out directly to the clinic on your behalf, but we do copy you on the requests for your reference so that you are kept in the loop. If you have any additional questions or would like further clarification in regard to your pending claims, please send an email to askclaims@embracepetinsurance.com or give us a call at 800-511-9172 and we're happy to help!
Reviewed Feb. 25, 2024
A few issues here. First of all, when I submitted the first claim, there were limited choices on the website to pick for my pet's condition. My pet had symptoms that were not described by the website. I picked the closest reason to file, which was wellness. I put her problems in the additional box as instructed to provide more details about my claim, which led to the second issue. The adjuster did not bother to check the additional note and code it as wellness, which was not covered by my plan and my claim was declined. I had to make a call to the claim department to justify why the claim needed to be reprocessed after my pet died. Third, the claims came "nickel and diming" taking things apart to make sure the minimum was paid out.
After my deductible, only a little over half was being paid out when my plan said the payout should be 90%. The only pleasant experience in this process was the kindness and empathy that I received from the agent who assisted me with my call and how quickly the claims were finally gone through though was not surprised with the EOB. I am a healthcare provider and have more encounters with insurance companies that are less than satisfying. It's disappointing that it is the same for pet insurance.
Hello Evans,
First and foremost, I am so very sorry for your loss! I am also sorry for any disappointment you experienced with the claims process. When a claim is submitted with "Wellness" as diagnosis or reason for the visit, it is automatically processed in our system as a Wellness Rewards claim, which is only for routine/preventative care. Because you did not have a Wellness Rewards plan added to the policy, the claim was not covered. I apologize for the confusion and I'm glad the representative you spoke with was able to help resolve the issue! In order for reimbursement to kick in for covered claims, your annual deductible must first be met. You can view a detailed Explanation of Benefits for each claim and any messages from the adjuster who worked on it by logging into your MyEmbrace account and selecting the claim information. You can also view further instructions here: http://help.embracepetinsurance.com/en/articles/4740402-understanding-your-explanation-of-benefits. However, if you have any additional questions or would like further clarification, please feel free to reach out and we're happy to help!
Reviewed Feb. 23, 2024
I submitted my pets claim which was denied multiple times without any real medical justification. The adjusters took it upon themselves to diagnose my pet with a disease she did not have & ignored physician's actual diagnosis. Their denial seemed to be rooted in simply not wanting to pay out. It took several letters from vets justifying their clinical decision making and an investigation by the department of insurance to have my claim approved. This took over a month and a half, stress. Would absolutely not recommend this insurance carrier and would urge everyone to have their denials reviewed. Please ensure that adjusters don’t take on the role of vets by making a diagnosis as it is illegal to do so.
Hello Marine, It’s very important as the administrator of the insurance contract that we follow the terms exactly as written and consistently for each insured when it comes to processing claims and appeals. As our terms and conditions state we are unable to provide coverage for pre-existing conditions:
32. Pre-existing Condition(s) means:a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
If you do not agree with a claims decision, you do have the option to set up an appeal with additional information from your veterinarian as to how the current condition is unrelated to the pre-existing condition and we can take another look. We see your appeal has been completed, but if you have any additional questions or concerns please reach out to us at 800-511-9172 and we are happy to help.
Reviewed Feb. 23, 2024
Embrace not only pays for itself, it processes claims seamlessly and promptly. I often get my reimbursement the very day I submit a claim. Plus, they are staffed by really nice people. Insure your pets early, before they develop something that could be called a pre-existing condition.
Hello Linda,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and claims service!
Reviewed Feb. 23, 2024
Contract Service Agents at Embrace are educated, knowledgeable about the product and process. They streamlined the process and follow up services, explained details and made me feel glad to be part of their customer base. The customer agents are super amicable. Thanks for helping me and my pet live healthy and happier lives because of your carings ways of doing business with us Consumers. Again you are appreciated.
Hello Audrey,
Thank you for the kind words and for taking the time to share that feedback! We are so happy to hear you've had a positive experience with our Customer Care team and claims service!
Reviewed Feb. 22, 2024
My dog suffered from sudden paralysis of her hind legs on 12/31/23. She was taken to our local emergency vet clinic, then followed up with her regular vet several days later. She was referred to a large vet clinic affiliated with a veterinary school and had surgery to correct a condition that had developed in her spine. I started to submit claims about 10 days after her surgery and hospitalization. I received e-mails from Embrace stating that several of my claims had been approved and my reimbursement had been deposited in my bank account.
When the money did not go into my account, I checked my online statement and the status of all of my claims had been changed. The ones which had been marked as closed had reverted back to “under review”. I contacted a representative by telephone who was very helpful, but had trouble figuring out what had happened. She eventually figured out someone had incorrectly labeled my claims had complete. Another reviewer had stopped the claims and requested additional medical records. This representative stated she could see where the additional records had been received and would be reviewed very soon. That was over a week ago, and my claim status still say pending medical records. I was under the impression that Embrace provided rapid reimbursement. Mine is a very large claim which had to be paid at time of service. This is totally unacceptable to me.
Hello Lisa, we are sorry to hear you had a negative experience. First and foremost, we hope your furry companion is doing well. We can only imagine how stressful it would be experiencing your pet going through that. Sometimes we do need additional information, such as your pet's medical records through the end of the orthopedic waiting period or visit notes to process a claim. We will work with your veterinarian directly to obtain any additional information needed and get your claims processed once we have the complete medical history on file. We are sending well wishes your furry companions way and please reach out to us at 800-511-9172 if you have any questions and we are happy to help.
Reviewed Feb. 22, 2024
We have used Embrace through USAA. We lost our long time companion is August '23. The staff was responsive and very helpful in an urgent situation. We recently got a new puppy and didn't hesitate going back to Embrace for coverage.
Thank you for sharing your experience, Manny. We are deeply sorry for the loss of your longtime companion, but we are heartened to hear that our team was able to provide responsive and compassionate support during such a difficult time. We're thrilled to welcome your new puppy into the Embrace family and are grateful for your continued trust in us to provide coverage for your furry friends.
Reviewed Feb. 22, 2024
I had such an easy time with claims. The reps explained everything, and even though not everything was covered, the way they delivered the news was empathetic. She understood that it wasn't what I wanted to hear, but it was the way it works. I am so glad I signed on with Embrace!
Thank you for your wonderful feedback, Jennifer! We're thrilled to hear that our claims process was straightforward and that our representatives provided empathetic support. We appreciate your trust in us!
Reviewed Feb. 21, 2024
I submitted several invoices after my dog had surgery. Within one day I had received EOB’s and a reimbursement amount. Several days later I received checks for the amounts that had been determined. Excellent customer service. I will continue as a member for my dog. It is easy to upload the invoices from the animal hospital which is what I did.
Hello Alison,
Thank you for taking the time to share that feedback, we are happy to hear you had a positive experience with our Customer Care team and claims service! Sending well wishes to your dog for a speedy recovery!
Reviewed Feb. 21, 2024
The associate was very knowledgeable, no pressure, just answered all my questions. Associate was very polite and patient with all my questions. When the conversation was over, I felt I had all the information needed to make a good decision for my pet. After reviewing all the information, I will be purchasing the pet insurance.
Hello Diane,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team service!
Reviewed Feb. 21, 2024
Embrace Insurance was kind to me, my dog was very sick with pancreatic problems. He is 13 years old. I spend a lot of money and embrace insurance refunds it. It’s very helpful emotionally. I feel I am not alone with my dog health problems. We love our dog. It’s so painful when dog is sick and cost a lot of money vet hospital. I advise to take embrace insurance. Ev.
Hello Evguenia,
Thank you for sharing that feedback! We know how stressful it can be when one of our fur babies is sick or hurt, so we're glad to hear the policy was there to help during your time of need and provided some comfort during a difficult time. We sincerely appreciate your recommendation and we hope your dog feels better soon!
Reviewed Feb. 20, 2024
I purchased the Embrace Insurance for my kitten last year. I’ve never had pet insurance before and I’ve had several elderly cats and their care became very, very expensive so I thought this time I’d be proactive and get insurance before I needed it. Luckily I did as my kitty became sick at 13 months old. She was diagnosed with a lifelong condition and thankfully her care will be mostly paid for by her insurance. It’s a Godsend as hopefully we can keep her healthy for a long life. She’s already an important family member.
Hello Cindy,
Thank you for taking the time to share that feedback, we are glad to hear the policy has been there to help during your time of need. We hope your kitty is feeling better!
Reviewed Feb. 20, 2024
I have been a parent to several dogs and when I adopted my latest dog, Lily, I decided to try pet insurance. Embrace has been exceptional. Their customer service is knowledgeable. Unfortunately Lily ruptured her Achilles tendon and I have found it easy to submit claims. Reimbursement has been timely & exactly what I signed up for. I am very happy with this company.
Hello Mollie,
Thank you for taking the time to share that feedback! We are happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you. Sending well wishes to Lily for a speedy recovery!
Reviewed Feb. 19, 2024
If you go online to "seek GOOD advice" about ANY insurance, but in this case, PET insurance, make certain you read the fine print, i.e., "ADVERTISING DISCLOSURE (in part): We may receive compensation from the companies listed". In other words, GOOD reviews = $$$. My pet had a testes that did not descend; in Golden Retrievers, that usually equates to a much greater cancer risk. My Vet highly recommended surgery. $700 later, I submitted a claim to EMBRACE. A portion of the surgical procedure included removing the un-descended testes. Well guess what? That "portion" of the recommended surgical procedure was considered "NEUTERING". And neutering is NOT covered by the EMBRACE policy.
The real surprise came when they informed me that because a portion of the procedure included removing a testes (aka thus neutering the pet), and neutering in NOT covered, they denied 100%, REPEAT 100% of my claim. I need to make one correction: I stated it was a "surprise"; there is nothing that surprises me when it comes to the insurance industry. It's the ultimate "bait & switch" scam. Unlike companies that CLAIM to report "honest" reviews, I WAS NOT paid by anyone to leave a factual review/comment. IF you are reading this review, just know that the organization that "displays" this review, IS honest enough to notify their readers that they also "accept compensation from the companies they post review about".
Hello James,
I am sorry for any disappointment you experienced with your claim! Per the terms and conditions of the policy, we are unable to cover preventative care such as spaying or castration (including preventative sterilization surgery, such as for treatment for cryptorchidism, chimerism, or chromosomal abnormalities). I see one of our claims adjusters already reached out to you via email, but if you have any additional questions, please feel free to reach out and we're happy to help.
Reviewed Feb. 19, 2024
My pup had health issues requiring a series of appointments, several specialist visits, and ultimately surgery. Embrace makes the claims process easy to use and makes it simple to track progress. There were no surprises along the way and everything was covered. I've used embrace for both my dog and cat for several years now and am so glad I had coverage for when an issue like this arose for the first time. The monthly premiums are absolutely worth the peace of mind of being able to get my pets care when they need it and not be overwhelmed by vet bills!
Hello Brittany,
Thank you for taking the time to share that feedback, we are happy to hear you’ve had a positive experience with your claims!
Reviewed Feb. 18, 2024
My experience with Embrace Pet Insurance was absolutely excellent. Sadly my dear dog was diagnosed with pancreatic cancer. We did all that we could to save her, but she passed away. The bills were extensive. Embrace paid their share of the billings, quickly and without questioning anything. I was quite impressed with their service, and would highly recommend Embrace to anyone looking for pet insurance.
Hello Craig,
Thank you for taking the time to leave that feedback, I am so very sorry for your loss! Our fur babies hold such an important place in our hearts and saying goodbye is never easy. Sending well wishes to you during this difficult time!
Reviewed Feb. 18, 2024
After they had received everything thing they asked for from my vet. And took out my payment for months. They decided to say they hadn’t received info from vet when I turned in claims. Deceitful and Rude. Canceled immediately.
Hello Linda,
I am sorry for any disappointment you experienced with your policy and we are sad to see you go! In order for us to process any accident or illness claims, we need to first confirm we have the pet's full pre-policy medical history on file. We look for the detailed chart notes from any exams/visits that occurred within the 12 months prior to starting the policy and through the initial waiting periods. I see you already spoke to a representative in regard to the pending medical records we are still waiting on, but if you have any additional questions please feel free to reach out and we're happy to help.
Reviewed Feb. 18, 2024
After extensive research, I chose Embrace. The company offers affordable, quality insurance options and the customer service staff is efficient. I’ve also asked many of my friends what pet insurance carrier they have heard good things about…. Embrace was favorable! It's tough with so many competing pet insurance carriers and so important to have great coverage we can count on at a price that falls into our budget! Embrace pet insurance is my choice!
Hello Nadine,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and claims service!
Reviewed Feb. 17, 2024
Embrace has never denied any claim we have had with our Golden Retriever Buddy. We have been insured with them since he was a puppy, he is now 10+ years old. When Buddy was just a Puppy he had what is called Puppy strangles, Embrace covered all his treatments then and every one since.
Hello Terrence,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that you've had a positive experience with your policy over all these years! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Feb. 17, 2024
The claims process has been super easy. Everything is online. It's fast and efficient. I received approval and payment in just a few days. We couldn't be happier with Embrace Pet Insurance. The customer service is outstanding! If I have a question they have responded quickly. They will go out of their way to make sure you have the answers you need.
Hello Patti,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and claims service!
Reviewed Feb. 17, 2024
I've been with Embrace for more than 10 years, insuring dogs and a cat. In that time I have filed many many claims, all of which have been promptly addressed. Their representatives have been helpful and given good guidance whenever I had a question or concern. They have covered dental surgeries, spleen and cancer surgeries and all the many smaller incidents that come with having young and aging pets. I cannot recommend them highly enough. Well worth the premiums!
Hello Emily,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that you've had a positive experience with your policy over all these years! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Feb. 17, 2024
This is the first time I used the insurance and although it took some time I did get some money for their surgeries. It was a little frustrating at first, especially when one of my dog's dental care was approved and the second took another month to get approved but it was finally done.
Hello Rita,
Thank you for taking the time to share that feedback! Although we try to process claims as quickly as possible, sometimes they can be delayed if we are missing any required documentation; however, we're glad to hear any issues were resolved and that the policy was there to help during your time of need!
Reviewed Feb. 16, 2024
I found this claim filing part of the process to be simple and straightforward. My only issue was a home issue, we don't have a telephone landline so faxing is a problem for us, I solved that problem by going to office depot, so from now on I will know to use that system to fax information to you.
Hello Ronald,
Thank you for taking the time to share that feedback, we are happy to hear you had a positive experience with the claims submission process! In addition to fax, claims can also be submitted electronically, and you can view more information here: http://help.embracepetinsurance.com/en/articles/4739928-how-do-i-submit-a-claim.
Reviewed Feb. 16, 2024
As a veteran of the armed forces I was referred to Embrace by USAA only to have all my claims denied as they state my pet had a preexisting condition. A condition we had no idea about and they just took the money and ran. Another unscrupulous insurance company just looking to take your cash and deny all your claims
a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
We do however distinguish between temporary and permanent pre-existing conditions. If a pre-existing conditions is deemed temporary, if your pet goes 12 consecutive months without any recurrent signs or symptoms it could be eligible for expiration so we can provide coverage in the future. If you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed Feb. 16, 2024
I had been paying for this insurance for a while a full years, unfortunately my dog already had some preexisting conditions that wouldn’t be covered, but I stuck with it. The cost was increasing and I was considering canceling but I’m so glad I didn’t. My dog tore her ACL and she had a few appointments leading up to her surgery. Embrace covered every claim including the surgery. Unfortunately. Less than 3 weeks after her ACL surgery, she was brought to the emergency vet and needed emergency abdominal surgery, again, embraced covered the claim. I couldn’t be more grateful because you never expect to suddenly have to come up with thousands of dollars for things like this. The only thing I wish was that I could have had a higher coverage amount for my policy.
Hello Karissa,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Feb. 15, 2024
I put in a claim, and in less than a month I was reimbursed for my cat's surgery. The representatives are all very friendly and helpful. I will recommend Embrace to my family and friends. Different plans to choose from makes it easy to figure out what fits your budget
Hello Eleanor,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and claims service and we sincerely appreciate your recommendation!
Reviewed Feb. 15, 2024
I always have a quick and seamless experience when submitting claims. For those few times I have questions, customer service is always friendly and knowledgeable about my requests. So much easier than my own medical insurance. I am so grateful and thankful to the entire Embrace team for your assistance!
Hello Rita,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and claims service!
Reviewed Feb. 15, 2024
Embrace has done a wonderful job with my claims and has made the process very easy to handle. You do need to submit itemized details from the vet, which I did have a problem with one claim, but they assisted me to find out what exactly I needed. They also are very kind and have sent condolences with my furbabies have crossed the Bridge.
Hello Les,
Thank you for taking the time to share that feedback, we are happy to hear you had a positive experience with our Customer Care team and claims service!
Reviewed Feb. 15, 2024
After going to the SPCA for my cat’s regular visit the blood work show my baby had high calcium. So I had to start a claim for him to get a test and the service representative was so helpful and pleasant. She helped me set up an account and walked me through the whole process. I would recommend this insurance to anyone.
Hello Sarah,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and service and we appreciate your recommendation!
Reviewed Feb. 15, 2024
They have always taken care of my issues promptly and accurately. The only catch is that a family member must have served and must join USAA so that their children and/or grandchildren can also join. I have no complaints and am grateful that my dad thought far enough ahead to join so that I could join also.
Hello Karen,
Thank you for taking the time to share that feedback. We are proud to be USAA's chosen provider to offer their members pet health insurance, so we're very happy to hear you’ve had a positive experience!
Reviewed Feb. 14, 2024
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.
Thank you for sharing your wonderful experience, Ellen! We're delighted to hear that Embrace has provided you with responsive and reliable coverage for Larry's healthcare needs. We appreciate your recommendation!
Reviewed Feb. 14, 2024
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.
Thank you for providing that feedback, Clark. We are sorry to hear you were disappointed with your policy and we are sad to see you go! However, we understand you must do what you feel is best for you and your pet. Premiums do increase over time with all insurance products, and pet insurance is no exception. Your pets health or claims submitted are not currently a factor in the premiums. Some of the factors that impact premiums each year include the age of a pet, tenure of the policy, breed, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data, and approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens. We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. If you have any additional questions or concerns, we can be reached at 800-511-9172 and we're happy to help.
Reviewed Feb. 12, 2024
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.
Hello Donna,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and service!
Reviewed Feb. 11, 2024
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.
Hello Laura,
Thank you for taking the time to share that feedback, we are happy to hear you’ve had a positive experience and we sincerely appreciate your recommendation! I am also so sorry for your loss and want to let you know we're sending well wishes to you during this difficult time!
Reviewed Feb. 11, 2024
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.
Hello S. D M,
I am sorry for any disappointment you experienced with your claim! Unfortunately, a dermatologic condition (ear infection) was noted in the medical records prior to the policy purchase, making it a pre-existing condition. Per the policy terms and conditions, a dermatologic condition means "any illness related to your pet’s skin and is deemed to include ear infections and skin lumps from skin irritation or infection, such as interdigital cysts from pododermatitis, but not conjunctivitis or parasitic infestations." I see you recently spoke with the adjuster who worked on the claim, but if you have any additional questions or concerns, please feel free to reach out and we're happy to help!
Reviewed Feb. 10, 2024
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.
Hello Julie,
Thank you for taking the time to share that feedback! We are happy to hear the policy was there to help during your time of need and that it alleviated some of the stress that comes with our fur babies being sick or hurt. Sending well wishes to you and your pup for a speedy recovery!
Reviewed Feb. 10, 2024
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.
Hello Tonya,
I am so very sorry to hear that Rose has passed! I am sure that this has been a very tough time for you and your family. Our fur babies hold such an important place in our hearts and saying goodbye is never easy, but I want to let you know we are sending well wishes to you during this difficult time!
Reviewed Feb. 10, 2024
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.
Hello Erik,
Thank you for providing that feedback, I'm sorry for any frustration you experienced with your claims! Any time you feel there was an incorrect assessment, you do have the option to appeal. I see you have been corresponding with our claims team in regard to this, but if you have any additional questions or concerns, please feel free to reach out and we're happy to help!
Reviewed Feb. 10, 2024
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+++
Hello Stephen,
Thank you for taking the time to share that feedback! We are happy to hear you’ve had a positive experience with your claims and service and we appreciate your recommendation!
Reviewed Feb. 10, 2024
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.
Hello Eric,
Thank you for taking the time to share that feedback, we are happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you! Sending well wishes to you and Missy for a speedy recovery!
Reviewed Feb. 9, 2024
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.
Hello John,
Thank you for taking the time to share that feedback, we are happy to hear you had a positive experience with the claims submission process! Please give Daisy some belly rubs from us!
Reviewed Feb. 9, 2024
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.
Hello Linda,
Thank you for taking the time to share that feedback, we are happy to hear you’ve had a positive experience with your claim!
Reviewed Feb. 9, 2024
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.
Hello Heather,
Thank you for taking the time to share that feedback! We are happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you!
Reviewed Feb. 9, 2024
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.
Hello Dan,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that you've had a positive experience with your claims! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Feb. 9, 2024
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!
Hello Kevin,
Thank you for taking the time to share that feedback! We are happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you!
Reviewed Feb. 9, 2024
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.
8. By purchasing a policy, you give us permission to gather all medical history for your Pet(s) from all your Veterinary Providers as we deem necessary. The medical information must contain detailed Veterinarian examination findings and must be made available to us for review to satisfy the examination requirement in PART II. item 1.
PART II – CONDITIONS 1. Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Pet Original Start Date as shown on the Schedule Page(s) or within fourteen (14) days after the Pet Original Start Date. Failure to do so will result in your policy defaulting to an Accident only policy. Meaning you will have no Illness Coverage and your Illness premium will be refunded. You may add Illness Coverage back onto your policy once a qualifying Veterinarian has examined your Pet and detailed records for the exam are available to us. This will result in your Illness Waiting Period end date changing to the date of the first exam. No Illness Coverage is available until a qualifying Veterinarian has examined your Pet, and Preexisting Conditions, if any, may be determined upon the date of the qualifying Veterinarian's examination.
Although we try to process claims as quickly as possible, sometimes it can take longer as we gather your pet’s complete medical history. Obtaining medical history is a process we are continuously working to improve. We work directly with your vet to gather any additional medical records needed to review your pet’s complete medical history and we copy you on any email request to keep you in the loop. The good news is once your pet's medical history has been established, future claims tend to process much quicker and our standard processing time is 10-15 business days. We see you already spoke with one of our team members who was able to assist in getting your claims processed. We appreciate you sharing this feedback as we are always looking to provide a simple and easy claims process while still abiding by our Terms and Conditions.
Reviewed Feb. 9, 2024
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!
Hello Jessica,
Thank you for taking the time to share that feedback! We are happy to hear you’ve had a positive experience and we appreciate your recommendation!
Reviewed Feb. 8, 2024
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.
Hello Patricia,
Thank you for taking the time to share that feedback! We are happy to hear you’ve had a positive experience with your claims and we appreciate your recommendation!
Reviewed Feb. 8, 2024
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.
Hello Sandra,
Thank you for taking the time to share that feedback, we are happy to hear you had a positive experience with the claims submission process!
Reviewed Feb. 8, 2024
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!
Hello Ravi, we are sorry to hear that. We know a premium increase is not ideal. Premiums do increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, breed, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data of all the policies we have in force, and are approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens.
We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We see you already spoke with one of our team members, but if you have any additional questions, please give us call at 800-511-9172 and we’re happy to help.
Reviewed Feb. 8, 2024
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.
Hello Susan,
Thank you for taking the time to share that feedback! We are happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you!
Reviewed Feb. 8, 2024
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.
Thank you for sharing your experience! We are happy to hear you have been satisfied with your policy and coverage over the last 14 months! We appreciate you choosing Embrace!
Reviewed Feb. 8, 2024
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.
Hello Nancy,
Thank you for taking the time to leave that feedback, I am so very sorry for your loss! Our fur babies hold such an important place in our hearts and saying goodbye is never easy. Sending well wishes to you and your husband during this difficult time!
Reviewed Feb. 7, 2024
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.
Thank you for sharing your positive experience, Shelby! We're delighted to hear that our customer service representative promptly addressed all your questions and efficiently assisted you with setting up your account.
Reviewed Feb. 7, 2024
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.
Thank you for sharing your feedback, Thuong. We are sorry to hear you are disappointed with the claim processing timeline. Although we try to process claims as quickly as possible, sometimes it can take longer to process a claim if we need additional information. Claims generally take 10-15 business days once we have all of the needed information to process the claim. You are always welcome to reach out to us at 800-511-9172 to check on the status of a claim and we are happy to help!
Reviewed Feb. 6, 2024
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!
Thank you for your positive feedback, Paula! We're thrilled to hear about your satisfaction with our claims processing, communication, and user-friendly website. We value your loyalty over the years and appreciate your recommendation!
Reviewed Feb. 6, 2024
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!!
We are sorry to hear you have been disappointed with your insurance policy, JC. Insurance is something you hope to never use as you want your furry companion to stay healthy, but is good to have should you need it! Premiums do increase over time with all insurance products, and pet insurance is no exception. The claims you submit are not currently a factor in the premiums. Some of the factors that impact premiums each year include the age of a pet, tenure of the policy, breed, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data of all the policies we have in force, and approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens. We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We are sorry to hear you cancelled your policy, but if you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed Feb. 6, 2024
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!
We appreciate your feedback, Linda. We are glad to hear you are seeing the benefit of having pet insurance. Thank you for choosing us to help protect your pets.
Reviewed Feb. 6, 2024
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.
Thank you for your recommendation, Megan! We're honored to be your go-to choice for clients. It's wonderful to hear that our coverage has been beneficial, and we're glad we could help support Haka's recovery.
Reviewed Feb. 6, 2024
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.
Thank you for your wonderful review, Mark! We're thrilled to hear that you've had such a positive experience with our claims process and coverage. Your recommendation means a lot to us, and we're happy we could be there for you and your cats through their medical issues.
Reviewed Feb. 6, 2024
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!
Thank you for your loyalty and trust over the past 13 years, Patricia! We're deeply sorry for the loss of Milo but grateful we could help provide support during his treatments. It means a lot to hear that we've been able to bring peace of mind to you and your furry family.
Reviewed Feb. 6, 2024
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.
Premiums do increase for senior pets, but they didn’t turn away my 9-year-old rescue dog. They continued to renew his policy each year right up to when he passed away at 13. The Embrace staff even sent me a hand-signed condolence card! I’ll never let money decide if my dogs will get treatment because I know Embrace is there!
Thank you for your loyalty and kind words, Jill! We're honored to have been able to help support you and your furry companions over the years. Your experience highlights what we strive for - providing peace of mind during difficult times.
Reviewed Feb. 5, 2024
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.
We're deeply sorry for your loss and grateful for the opportunity to help support you during this difficult time, Derek. Your feedback is valuable to us, as we are continuously working to improve. When you're ready, we'll be here to assist you again.
Reviewed Feb. 5, 2024
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.
Thank you for your glowing review, Jodi! We're thrilled to hear that you've had such a positive experience with our claims process and customer service!
Reviewed Feb. 5, 2024
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!
Thank you for your kind words, Erica! We're delighted to hear that Embrace has been able to provide you with peace of mind and excellent service for your furry family members.
Reviewed Feb. 5, 2024
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.
Thank you for your feedback, Sarah! We're glad to hear that our claims process has been smooth and efficient for you. Your policy covers FDA-approved prescription medications for covered accidents and illnesses. Unfortunately, prescription food does not fall under that coverage but is reimbursable with the optional wellness rewards plan. Wishing your senior dog continued health and happiness.
Reviewed Feb. 5, 2024
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.
We're deeply sorry for your loss and grateful for the opportunity to assist during this difficult time, Evelyn. Your kind words mean a lot to us, and we're glad we could help provide support when you needed it most.
Reviewed Feb. 5, 2024
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!
Thank you for sharing your heartfelt experience, Silvia. We're deeply saddened by Phideoux's passing, but we're grateful for the opportunity to support you both throughout her journey. Your kind words mean the world to us, and we're glad we could help provide comfort during such a difficult time.
Reviewed Feb. 5, 2024
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.
Thank you for sharing your experience, Nancy! We're delighted to hear that Embrace has provided peace of mind for your pets, especially during challenging times like your cat's heart failure. We appreciate your recommendation and look forward to continuing to support you and your furry family members.
Reviewed Feb. 5, 2024
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.
Hello Annette,
We sincerely appreciate your loyalty and understand that it may feel like you're being penalized. We want to assure you that it is not our intention for you to feel that way. Our aim is to provide comprehensive coverage, and as pets are insured for longer periods, we anticipate covering a broader range of potential risks. Consequently, the premium increases to align with this higher risk and the increased likelihood of coverage.
Premiums do increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, breed, tenure of the policy and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data of all the policies we have in force, and approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens. We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. If you have any additional questions or concerns, we can be reached at 800-511-9172 and we're happy to help.
Reviewed Feb. 5, 2024
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.
It became evident that the adjusters and underwriters selectively choose certain verbiage to suit their agenda of avoiding claim payouts. During my interactions with them, I was appalled to hear an adjuster suggest that I personally go back to the first vet for more information if I wanted to appeal again. This is not only unprofessional but completely absurd, as it is their responsibility to thoroughly investigate claims. Furthermore, the company relies on policy terms and conditions, specifically #32 regarding pre-existing conditions, to justify their actions. However, it is crucial to note that our vet only officially diagnosed our dog after the policy was purchased. This fact seems conveniently overlooked, highlighting their unwillingness to consider the timeline of events and putting their profit over customer satisfaction.
In my pursuit of a fair resolution, I requested the cancellation of my policy. It is clear that Embrace prioritizes financial gain over ethical practices and customer welfare. I echo the sentiments of another reviewer who suggested that the company should employ vet techs. Ironically, one of our adjusters was a former vet tech, and this did not result in a more compassionate or customer-oriented approach. In conclusion, I strongly caution against choosing Embrace for your pet insurance needs. Their unscrupulous tactics, disregard for evidence, and lack of customer-centric values make them an unreliable and unethical choice. I encourage pet owners to explore alternative options with more reputable and ethical pet insurance providers.
Hello Shabril, we are sorry to hear you were disappointed with your policy, and your claim did not turn out the way you anticipated. The policy Terms and Condition, which are provided and agreed upon at the time of purchase, reviews our definition of a pre-existing condition which is as follows:
32. Pre-existing Condition(s) means:a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
It’s very important as the administrator of the insurance contract that we follow the terms exactly as written and consistently for each insured. Ultimately we do have to go off the medical records provided by your veterinarian when it comes to processing claims and appeals. We see you are in communication with one of our team members to discuss your concerns and we appreciate you sharing this feedback as we are always looking to improve while still abiding by our Terms and Conditions.
Reviewed Feb. 5, 2024
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.
Hello Don, we are sorry to hear that. We appreciate you choosing Embrace over the last 10 years. We know a premium increase is not ideal. Premiums do increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, breed, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data, and approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens.
We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation.
As far as dental coverage goes, our terms and conditions state in Part III Coverage- We will reimburse you for eligible Veterinary Treatment expenses caused by Dental Illness in excess of the Deductible amount, subject to Co-Payment requirements and a $1,000 Annual Maximum sub-limit, for all Treatment(s) except dental prophylaxis, for conditions that started after the Waiting Period and during the policy period. Charges associated with the dental prophylaxis, such as polishing and prophy of the teeth, is only eligible for reimbursement through our Wellness Rewards program.
If you'd like to discuss changing your pet's coverage to better fit your budget or our dental coverage in more detail, please give us a call at 800-511-9172 and we are happy to help!
Reviewed Feb. 4, 2024
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).
We are sorry to hear about your frustrating experience, Sandra. Fetch is a separate pet insurance company and is not affiliated with Embrace. We want to be upfront about our coverage and the exclusion of pre-existing conditions which is defined and agreed upon in our terms and conditions as: 32. Pre-existing Condition(s) means: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions. c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing. There is a 2 day accident waiting period, a 14 day illness waiting period, and a 6 month orthopedic waiting period for dogs. We do however distinguish between temporary and permanent pre-existing conditions. If a pre-existing conditions is deemed temporary, if your pet goes 12 consecutive months without any recurrent signs or symptoms it could be eligible for expiration so we can provide coverage in the future. If you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed Feb. 4, 2024
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!! :-)
Thank you for sharing your experience, Sandra! We appreciate your feedback on our Wellness Rewards program, and are happy to hear you are satisfied with your policy and the claims submission timeline!
Reviewed Feb. 4, 2024
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.
We are sorry to hear you were disappointed with your policy, Channing. We want to be upfront about our coverage and the exclusion of pre-existing conditions which is defined and agreed upon in our terms and condition. From your Embrace Terms & Conditions: PART I – DEFINITIONS 10. Clinical Signs means changes in a Pet’s normal healthy state, bodily function or behavior observed by you, a Veterinarian, or other. 14. Dermatological Condition means an Illness related to your Pet’s skin and is deemed to include ear infections and skin lumps from skin irritation or infection, such as interdigital cysts from pododermatitis, but not conjunctivitis or parasitic infestations. 27. Pre-existing Condition(s) means: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions. c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing. 31. Undiagnosed means the underlying or causative condition has not yet been identified. PART IV – EXCLUSIONS 1. Pre-existing Conditions; If you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed Feb. 3, 2024
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!
Thank you for sharing your positive experience, Carol! We're thrilled to hear that you found our claims process fast and transparent, and that you appreciate our customer service. We appreciate you recommending us!
Reviewed Feb. 3, 2024
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!
Thank you so much for sharing your positive experience, Jennifer! It's great to hear that you've found our service helpful and reliable for your beloved fur babies
Reviewed Jan. 31, 2024
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.
Hello Isaac,
Thank you for providing that feedback. We are sorry you are disappointed with your policy, but we understand you must do what you feel is best for you and your pet! Unfortunately, we are unable to provide coverage for pre-existing conditions, and I see you received correspondence in regard to your claim results in December, but if you have any additional questions or concerns, we can be reached via email at hello@embracepetinsurance.com or via phone at 800-511-1972 and we're happy to go over that further.
Reviewed Jan. 30, 2024
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!
Hello Carlin,
Thank you for taking the time to share that feedback! We are happy to hear you’ve had a positive experience and we appreciate your recommendation!
Reviewed Jan. 30, 2024
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.
Hello Kathie,
Thank you for providing that feedback. Our standard processing time for claims is 10-15 business days provided we have all of the required documentation! Our claims team also keeps our pet parents up to date on the status of the claim via email and via your MyEmbrace portal. I see you have received some recent correspondence as of 1/30/23, but if you have any additional questions or concerns in regard to your claims, please don't hesitate to reach out! Our claims team can be reached via email at askclaims@embracepetinsurance.com and we can also be reached via phone at 800-511-9172.
Reviewed Jan. 30, 2024
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.
Hello Deborah,
Thank you for taking the time to share that feedback, we are happy to hear you’ve had a positive experience with your claims!
Reviewed Jan. 29, 2024
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!
Hello Somie,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Jan. 29, 2024
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.
Hello Theresa,
Thank you for taking the time to share that feedback, we are so happy to hear that your policy was there to help during a stressful and difficult time! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Jan. 29, 2024
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.
Thank you for your positive feedback and for sharing the adorable picture of your furry family, Stacey! We're glad to hear that you have found the claims processing efficient and appreciate the comprehensive coverage. We're delighted to have had you as part of the Embrace family since 2019!
Reviewed Jan. 29, 2024
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.
Thank you for your kind words and for choosing Embrace, Heide! We're honored to be your trusted partner in ensuring Abby's well-being!
Reviewed Jan. 29, 2024
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.
Unfortunately, our experience renewing our insurance has not been similarly pleasant. We were shocked to find our policy had increased from $80 to $113 per month for 5 cats. The only claim we made (that was covered) was Rutabaga's inoperable tumor. We have spoken to customer service twice about this, and no one was receptive to our complaint – probably because it is obvious that we’d be on the hook for new pre-existing conditions if we were to change insurance providers. We strongly recommend thinking carefully about who you get your pet insurance from. The last thing we expected was our other cats’ premiums would increase so much after losing our Rutabaga.
Hello Neal, we appreciate you sharing your experience through such a difficult time with Rutabaga. Please know we are thinking of you with this loss.
We understand a premium increase is not ideal. Premiums do increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, breed, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data of all the policies we have in force, and are approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens.
We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. If you'd like to discuss changing your pet's coverage to better fit your budget, please give us a call at 800-511-9172 and we are happy to help.
Reviewed Jan. 28, 2024
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.
Hello Kelly,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and service!
Reviewed Jan. 28, 2024
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.
Thank you for sharing your positive experience, Sue! We're glad to hear that your claim was processed in a timely manner, and you found the process smooth!
Reviewed Jan. 27, 2024
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.
I want pet insurance for the peace of mind and security. After seeing so many reviews around insurance as a whole not paying out due to inflated pre-existing conditions (ex. a dog vomits, and now no GI issues will ever be covered), then paying into a policy for years and being denied from something I could've been told month one. That idea gives me the opposite of peace of mind. Additionally, I found Spot to be more expensive, for the same monthly price, the annual limit was less.
When I got back the pre-existing report of what conditions will not be covered for my 7-year-old, I was initially disappointed with how some signs and symptoms were interpreted. Of course, I expected the hip dysplasia to make an appearance in that department. Though as others have said I noticed that a minor skin condition that went away without medical intervention was turned into an incurable, permanent concern.
However, I'm so grateful to the Embrace team & specifically to Kyle ** for handling me with so much professionalism and patience. He helped me through the appeals process and stayed in contact with me, he reviewed all the what-if scenarios I could come up with in the event the appeal didn't go in my favor. The appeal was reviewed and resolved very quick and thankfully this one was overturned. I find them to be very fair with pre-existing conditions. No pet insurance would cover my pup, Lobo's hips dysplasia at this point. Above all I can appreciate the transparency into KNOWING what will or won't be covered.
Hello Steph,
Thank you for taking the time to share that feedback! We are happy to hear that was Kyle was able to assist you and that any issues were resolved!
Reviewed Jan. 27, 2024
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!
Hello Edward,
Thank you for taking the time to share that feedback, we are happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information. Sending well wishes to you and Stella for a speedy recovery!
Reviewed Jan. 24, 2024
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.
Thank you for sharing your positive experience, Elise! We're delighted to hear that Embrace has been there for your English Bulldog's medical needs. We appreciate your trust in our services and commitment to quick and easy claims processing.
Reviewed Jan. 23, 2024
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.
We are sorry to hear you were disappointed with your policy, Lois. We want to be upfront about our coverage and the exclusion of pre-existing conditions which is defined and agreed upon in our terms and conditions as: 32. Pre-existing Condition(s) means: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions. c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing. There is a 2 day accident waiting period, a 14 day illness waiting period, and a 6 month orthopedic waiting period for dogs. We do however distinguish between temporary and permanent pre-existing conditions. If a pre-existing conditions is deemed temporary, if your pet goes 12 consecutive months without any recurrent signs or symptoms it could be eligible for expiration so we can provide coverage in the future.
The insurance policy can provide coverage for exam fees for covered accidents and illnesses. However, routine wellness exams are only covered under the optional Wellness Rewards plan. If you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed Jan. 23, 2024
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!
Thank you for sharing your positive claims experience, Jacquelyn! We are happy to hear we could help with your dog's surgery and hope they had a quick recovery!
Reviewed Jan. 23, 2024
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.
We appreciate you sharing that feedback, John. Premiums do increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, breed, tenure of the policy, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data of all the policies we have in force, and approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens. We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation.
For a guarantee of coverage prior to a procedure or treatment, you do have the option for a pre-certification. We see you already spoke with one of our team members about the e-mails you received, but if you have any additional questions, you can email us at embracesocial@embracepetinsurance.com and we can assist you further.
Reviewed Jan. 22, 2024
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.
Thank you for sharing your feedback, Lauren! We always aim to be upfront about our coverage. Your policy terms and conditions outline the coverage and exclusions, while the explanation of benefits for the claims provides a breakdown of the coverage. For a guarantee of coverage prior to a procedure or treatment, you do have the option for pre-certification. You can view more detailed instructions here: http://help.embracepetinsurance.com/en/articles/4740380-pre-certification-what-it-is-and-how-to-submit. If you have any questions or concerns regarding your claims or coverage, please give us a call at 800-511-9172, and we're happy to help!
Reviewed Jan. 22, 2024
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.
Last but not least, the annual premiums jump quite a bit as dogs age. The older my dog gets, I have to weigh the expense/value of insurance against my dog's life expectancy. So I'm caught between a rock and a hard place...do I spend a lot for insurance I might not use? Or pay for costly insurance which covers treatment that might or might not improve quality of life for a senior pet?
Hello Tim,
Thank you for taking the time to provide that feedback! I apologize for any disappointment you experienced with the claims process. We try to process claims as quickly as possible, but sometimes they can be delayed due to pending medical records, a clear diagnosis and/or invoice, or in this case if an appeal is submitted. However, I am glad to hear you have overall had a positive experience and I hope you won't hesitate to reach out if you ever have any questions or concerns in regard to your claims in the future!
We also understand your concern in regard to premium increases! Premiums increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, tenure of the policy, and inflation. Our premiums are set by our underwriter, based on actuarial data, and approved by each state’s Department of Insurance. We try to keep up with the actuarial fluctuations as best as we can and adjust premiums accordingly from year to year.
Embrace's coverage structure allows each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. If you are interested in exploring these options, you can do so via your MyEmbrace account under "Change Coverage" and can view more detailed instructions here: http://help.embracepetinsurance.com/en/articles/4428785-changing-your-pet-s-coverage. If you have any additional questions or concerns in regard to your policy, please give us a call at 800-511-9172 and we're happy to help.
Reviewed Jan. 21, 2024
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.
Hello Michell,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Jan. 21, 2024
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!!!
Hello Terrance,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information. Sending well wishes to your dog for a speedy recovery!
Reviewed Jan. 18, 2024
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.
Thank you for your positive feedback, Judy! We're delighted to hear about your satisfaction with our claims process and customer service. We truly appreciate your partnership with Embrace!
Reviewed Jan. 18, 2024
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.
Hello, Heather. We are sorry to hear you were disappointed with your policy. We try to be as clear as possible about our exam requirements and pre-existing conditions which are in the policy terms and conditions: Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Pet Original Start Date or within fourteen (14) days of the policy. Failure to do so will result in the illness waiting period being extended to the date of the first exam on file. This is also agreed upon when signing up for a policy and sent out as a reminder in your onboarding emails. We see you already spoke with a supervisor regarding your concerns, but if you have any additional questions, please give us call at 800-511-9172 and we’re happy to help.
Reviewed Jan. 18, 2024
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.
Thank you for sharing your positive experience, Linda! We're glad to hear Cassie could provide the information you needed, and we appreciate your trust in us. Welcome to the Embrace family!
Reviewed Jan. 18, 2024
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.
Thank you for sharing your positive experience, Erin! We're so happy to hear that Carl received the care he needed, and our fast claims process made it hassle-free for you. We appreciate your recommendation and are here for all your furry friends!
Reviewed Jan. 16, 2024
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.
We are sorry to hear you have been disappointed with your insurance policy and the optional Wellness Rewards program. The Wellness Rewards works like a health savings account, helping you budget for your pet’s routine care expenses and Embrace throws in a little extra to reward you for being proactive with your pet’s care. Wellness is reimbursed at 100% up to the annual allowance you choose. It is important to pick an allowance that you will use fully as it does not carry over to your next term which is included on your Wellness Rewards certification of coverage as well as commonly covered items.
We want to be upfront about our insurance coverage and the exclusion of pre-existing conditions which is defined and agreed upon in our terms and conditions as: 32. Pre-existing Condition(s) means: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions. c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing. There is a 2 day accident waiting period, a 14 day illness waiting period, and a 6 month orthopedic waiting period for dogs. We do however distinguish between temporary and permanent pre-existing conditions. If a pre-existing conditions is deemed temporary, if your pet goes 12 consecutive months without any recurrent signs or symptoms it could be eligible for expiration so we can provide coverage in the future. If you have any additional questions, concerns, or would like to discuss this further, please give us a call at 800-511-9172 and one of our Customer Care Embracers would be happy to help!
Reviewed Jan. 14, 2024
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.
Thank you for sharing your experience, Danielle. We're pleased to hear that Kona's claim was resolved satisfactorily, and we hope she had a quick recovery! We appreciate your feedback about the communication process. Although we try to process claims as quickly as possible, sometimes it can take longer to process an accident or illness claim if we need additional information. Obtaining medical history or a complete invoice is a process we are continuously working to improve. We work directly with your vet to gather any additional information needed to review your claim, and we copy you on any email request to keep you in the loop. You are always welcome to reach out to us at 800-511-9172 to check on the status of a claim, and we are happy to help!
Reviewed Jan. 13, 2024
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!
Thank you for your feedback, Brianna! We're glad to hear that our team provided helpful and patient assistance during the policy transfer for your newly adopted dog. We appreciate your kind words, and if you have any questions or need further assistance, feel free to reach out. Welcome to the Embrace family!
Reviewed Jan. 13, 2024
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!
Thank you for sharing your fantastic experience, Kimberly! We are thrilled to hear that we met your expectations with easy claim filing, quick reimbursement, and great customer service!
Reviewed Jan. 12, 2024
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.
By the time we arrived at the surgeon we had met our injury and illness deductible set at $500 which isn’t hard to do at a vet's office. All we had to do was send in an itemized estimate for the surgery and it was approved. Embrace paid ALL BUT 10%. I am so grateful having this insurance, especially in this day. Another thing I will mention, all claim were approved and paid out in less than a week. And if you are USAA member, submit your member number and receive a discount.
Thank you for sharing your positive experience, Craig! It's great to know the claims were processed quickly and we are thrilled to hear that we could help provide coverage for your dog's surgery when needed. We hope they are having a quick recovery!
Reviewed Jan. 12, 2024
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.
Thank you for sharing your experience, Deanna! We are happy to hear Katy was helpful finding the right coverage for you and your furry companions! We appreciate you choosing Embrace!
Reviewed Jan. 11, 2024
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.
Thank you for sharing your positive claims experience, Megan! We are so happy to hear the claims and your questions were addressed quickly!
Reviewed Jan. 11, 2024
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!
Thank you for sharing your story, Jessie! We are so glad to hear we could be there for you and your dog during a stressful time and that the claim process and reimbursement was easy and quick! We truly appreciate your recommendation.
Reviewed Jan. 10, 2024
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.
Thank you for sharing your positive claims experience, Aubrey! We are so happy to hear the process was simple and quick for you! Your recommendation to friends is much appreciated!
Reviewed Jan. 10, 2024
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.
Thank you for sharing your story, Chelsea! We are so happy to hear we could make the process easy for your during a challenging time and that the surgery was successful! Your recommendation means a lot, and we're here for you and your furry friend for the long haul.
Reviewed Jan. 10, 2024
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.
Thank you for sharing your positive experience, Andrew! We appreciate you trusting Embrace to help provide peace of mind for your pets!
Reviewed Jan. 9, 2024
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 appreciate your feedback, Kimberly! We are sorry to hear of your frustration with the claims process. Although we try to process claims as quickly as possible, sometimes it can take longer to process an accident or illness claim or wellness rewards claim if we need additional information. Obtaining medical history and a complete itemized invoice is a process we are continuously working to improve. We work directly with your vet to gather any additional information needed to review your claim and we copy you on any email request to keep you in the loop. You are always welcome to reach out to us at 800-511-9172 to check on the status of a claim or discuss your coverage and we are happy to help!
Reviewed Jan. 9, 2024
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!
Thank you for sharing your positive experience, Shannon! We are glad we could provide a quick and hassle-free process during a challenging time. We hope your puppy had a quick recovery and we appreciate your trust in us!
Reviewed Jan. 9, 2024
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.
We are so happy to hear we can bring you peace of mind, Jacqueline! Thank you for choosing Embrace for Mariano!
Reviewed Jan. 8, 2024
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!
Thank you for sharing your positive claims experience, David! We're thrilled to hear that your first claim was smooth and efficient! We appreciate your trust in Embrace!
Reviewed Jan. 8, 2024
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.
Hello Terilynn,
Thank you for taking the time to share that feedback, I am sorry for any frustration you've been experiencing with your claims! Please call our Customer Care Center at 800-511-9172 and a representative will be happy to go over your questions or concerns.
Reviewed Jan. 6, 2024
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.
Hello Carolyn,
Thank you for taking the time to share that feedback! We are happy to hear you had a positive experience with our Customer Care team and your claims!
Reviewed Jan. 6, 2024
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!
Hello Denise,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that the claims process went smoothly for you!
Reviewed Jan. 5, 2024
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.
Hello Chris,
Thank you for taking the time to share that feedback, we are so happy to hear the policy was there to help during your time of need and that you've had a positive experience over the years! If you are interested in being featured in our member testimonial campaign, please send an email to embracesocial@embracepetinsurance.com for more information.
Reviewed Jan. 5, 2024
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——>
Hello Alfred,
Thank you for taking the time to share that feedback, I am sorry for any disappointment you experienced with your policy! Please give us a call at 800-511-9172 and we're happy to go over any questions or concerns you have.
Reviewed Jan. 5, 2024
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.
Hello, we are sorry to hear that. Premiums do increase over time with all insurance products, and pet insurance is no exception. Some of the factors that impact premiums each year include the age of a pet, breed, and veterinary costs in the zip code where the pet resides. Our premiums are based on actuarial data, and approved by each state’s Department of Insurance. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens.
We do structure our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. If you'd like to discuss changing your pet's coverage to better fit your budget, please give us a call at 800-511-9172 and we are happy to help!
Reviewed Jan. 5, 2024
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!
Hello Maria,
Thank you for taking the time to share that feedback, we are happy to hear you’ve had a positive experience with Kaylyn!
Reviewed Jan. 4, 2024
3. No one follows up, period!
4. Revolving door: reps come and go.
Hello Tammy,
Thank you for taking the time to share that feedback, I am sorry for any disappointment you experienced with your policy! Please give us a call at 800-511-9172 and we're happy to go over any questions or concerns you have.
Reviewed Jan. 4, 2024
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.
Hello Neil,
Thank you for taking the time to share that feedback, we're glad to hear you’ve had a positive experience with Katie and we're happy to have you as part of the Embrace family!
Reviewed Jan. 3, 2024
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.
Hello Vivian,
Thank you for taking the time to share that feedback, we are happy to hear you’ve had a positive experience with your claim!
Reviewed Jan. 2, 2024
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.
8. By purchasing a policy, you give us permission to gather all medical history for your Pet(s) from all your Veterinary Providers as we deem necessary. The medical information must contain detailed Veterinarian examination findings and must be made available to us for review to satisfy the examination requirement in PART II. item 1.
Although we try to process claims as quickly as possible, sometimes it can take longer to process the first accident or illness claim. Obtaining medical history is a process we are continuously working to improve. We work directly with your vet to gather any additional medical records needed to review your pet’s complete medical history. The good news is once the review has been completed, future claims will process much quicker and our standard processing time is 10-15 business days. We see an adjuster has reached out to you with an update on what additional information is needed. If you have any questions please reach out to us and we are happy to assist!
Reviewed Jan. 1, 2024
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.
Thank you for your kind words, Margaret! We are so happy to hear that you find Embrace easy to work with! We appreciate your trust in us and wishing your puppy continued health and happiness!
Reviewed Dec. 31, 2023
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.
Hello Kathryn, thank you for sharing that positive feedback about our coverage and team. We are happy to hear they are always helpful and we have been quick to reimburse. We are sorry to hear you had to cancel your policy under those circumstances. We do have a strict reinstatement policy as your pet would have a gap in coverage that would allow their health status to change. If these guidelines are not met, underwriting of a new policy, which would be subject to the waiting periods would need to occur. We hope this information provides some clarification surrounding your concerns. We are honored you choose to have coverage with us again and please reach out to us at 800-511-9172 if you have questions on your new policy.
Reviewed Dec. 30, 2023
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.
Thank you for the positive feedback on the claims process, Jessie! We are happy to hear we could help provide support for Roxy's unexpected health needs!
Reviewed Dec. 29, 2023
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.
Thank you for sharing your positive experience with the claims process, Jacob! We are glad to hear your dog is recovering! It's great to know the claims process was easy and we could help in covering the unexpected expenses.
Reviewed Dec. 28, 2023
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.
Thank you for sharing your experience with Embrace, Barbara! We appreciate your trust in us for the past two years and are happy to hear the claim process and interaction with the customer care team have been positive!
Reviewed Dec. 27, 2023
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.
Thank you so much for taking the time to share your positive experience, Ian! We are happy to hear that you've been impressed with the claims process and customer support! Thank you for choosing Embrace!
Embrace Pet Insurance Company Information
- Company Name:
- Embrace Pet Insurance
- Year Founded:
- 2003
- Address:
- 4530 Richmond Road
- City:
- Cleveland
- State/Province:
- OH
- Postal Code:
- 44128
- Country:
- United States
- Website:
- www.embracepetinsurance.com
