Embrace Pet Insurance Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Just received my policy renewal and the cost has gone up over 100%. Called to get reasoning for such an outrageous increase and while the rep was polite and understanding, she could do nothing to lower it or even explain it. I can understand a price increase, but 100% seems out of line, especially since my cat is young (3 years old) and I’ve had no claims.

I was shocked to see the ease of getting our reimbursement, it was so easy to submit claims and Embrace was so fast approving and sending the check. The whole experience with them was A+. This was our first time having a claim and we were just so pleased. AND they are very friendly on the phone. Thanks so much Embrace.

Embrace personnel have been pretty timely a good bit of the time. Only issue with one adjustor, Alicia ** very difficult to communicate with, gave me incomplete information leading to not only my frustration but the vet. This claim is still pending really due to her lack of communication. Everyone else seems very professional and helpful.

Embrace has been amazing in helping care for my senior cat, Sophie. Being on a tight budget is never easy, but Embrace's reimbursement turn around is fantastic and at such low cost. I know that with Embrace Sophie is well cared for even until after her passing. I will always use Embrace in caring for my pets, because I know the Embrace Team will be by my side.

A claim was made for a dental procedure on a year old rescued cat. The procedure cost $1997.00 and at first it was covered then the claims dept. denied the claim. I’m waiting for a call back from claims department for an explanation. No response. It seems one thing was said and another was done. I’m angry because now I don’t have any insurance until next year even though I still have to pay $34 each month until June of 24. I’ll repeat the cat is a year old. Read carefully because Embrace talked a good game when we purchased the insurance. A very angry customer. R. **

Everyone I have encountered at Embrace have been very helpful and very nice. Please to work with them! The website is easy to use. USAA should be very encouraged by the level of service Embrace provides which is at the same level as USAA. I am encouraged by the level of service, the ease of use of the company website and the overall customer experience!

I have never worked with any company that has responded as quickly as yours. Maybe it's because your staff deals with pets and understands how precious our pets are to us. I thank you for your work in this matter. It was really easy to submit the paperwork that I had to submit for Gracie's claims. I will recommend any of my family and friends to you.

At first, it seemed like a great option, but 6+ months I went to submit a claim for a regular check-up and vaccinations and learned that I missed the 14-day window at the beginning to get a medical record review and so my visit wasn't covered (read the fine print, I did not). Then, during the review they looked for everything little thing to say they wouldn't cover anytime in the future a variety of normal ailments (e.g. skin tag they said could be cancer, said dog had excessive plaque feet but records show zero issues, etc.). I cancelled mine and wouldn't buy it again for sure.

Embrace was always supportive as our pet aged. Payments were within 3 days of our submission and often with 24 hrs. Their app work great. When our pet had to be put to sleep they refunded the remaining time on our policy.

I have been extremely happy with Embrace. When I called with questions the rep was extremely helpful and nice. My dogs have been on the insurance for 3 years so our claims went through super fast. Also love submitting the claims online. So very easy!! I would definitely recommend Embrace to my friends with pets!

Embrace asked for my review, so here it is: My dog has never been sick before; this is the first claim I’ve submitted and I’m very disappointed in this company. They requested a medical review from the vet, which the vet provided with 2 hours of their request. It’s now been 5 business days since I submitted my claim. I asked about how long it’s going to take for their review and the answer was 10-15 business days. So, the minimum time that I’ll be waiting for any reimbursement is 15 business days. Why does the review have to take weeks, especially with a 1.4 month old dog that has only been neutered and received shots at the vet, along with his exam.

I was looking at getting pet insurance for our fur baby and got a notice that I could get it through USAA and get a discount. I filled out the quote and the next day the agent called us and walked us through the whole process and answered all of our questions. It was a great experience.

My 5-month-old puppy had one episode of diarrhea before I signed up for this insurance. However, due to a past diagnosis of Giardia, which was successfully treated, the insurance provider categorized it as a pre-existing condition. Consequently, they refuse to cover any vet expenses related to diarrhea. I've had an unfortunate experience dealing with this insurance company's unprofessional and unfriendly team. It's frustrating to encounter such a lack of clarity and cordiality. In my honest opinion, it's best to avoid them as they seem determined to deny any claim you make for your pet. Embrace is a company that appears more interested in collecting your money than providing meaningful coverage. Good luck!

We initially bought pet insurance for both our dogs. When you initially sign up for their insurance you have to have your vet sign an orthopedic waiver. We did that for both our dogs in 2020 and our younger dog had no orthopedic issues. Fast forward to 2023, and our older dog dies and I want to increase the coverage for our other dog in case something happens to him. Because I changed the policy, Embrace makes you wait another six months under their orthopedic period.

My 15 yr old poodle had glaucoma set in his right eye suddenly and I had to have his eye removed. I filed my claim online with Embrace on a Wednesday and it was approved by Monday! I had even made a mistake in the cost of surgery and entered a price lower than what was on the invoice, but Embrace caught the mistake and used the actual total to calculate the reimbursement amount. Thank you for making the process so easy.

Where do I begin... I got Embrace $15k coverage in the worst case scenario for both my cats. I did a ton of research and they provided dental illness, waived exams if you paid for it, and had a deal for multiple cats. The only red flags were several reviewers said they had a tendency to really exaggerate and define everything as a preexisting condition.

I’ve had an Embrace Pet Insurance Policy for several years and every claim has been denied. Most recently I took my dog Perry to an Emergency Veterinary Clinic for what was ultimately diagnosed as “Idiopathic Vestibular Syndrome, a neurological disorder seen in senior dogs. Embrace denied this claim because blood work done during the visit showed the presence of “Azotemia” or Renal Disease, a pre-existing condition. In other words they used the presence of kidney disease to not pay the claim for his new neurological disorder which is totally unrelated. This would be like not paying for cancer care because of the presence of kidney disease. They are completely unethical and I would not recommend Embrace to anyone!

Avoid Embrace! Embrace waited to finish my dog’s medical history review for over eight months. Embrace claimed they did not receive paperwork from the vet, but my vet claims they sent it. When the review was finally completed, Embrace provided inaccurate and unacceptable findings on my dog’s preexisting conditions. I immediately cancelled the policy and requested a refund for the months I paid with no services provided in exchange. From January 24 to October 30, 2023, Embrace provided no coverage and did not attempt to contact me, obtain records, or cancel the policy. Nonetheless, Embrace took my money and now refuses to refund me. Embrace has stolen my money and prevented me from obtaining meaningful insurance for my dog. My dog is now ill and I am left without coverage. Please avoid this company at all costs!!

Our Dog Stella has been our best friend for many years, but we worried that someday she may have health issues. When we heard about Embrace through our USAA insurance, it was a no-brainer to make sure we were ready and it was a godsend to get her the care she needed.

Very disgusted by the service we received. Your company used false advertising to get us to sign up and then when we actually need the service we pay for every month you tell us we should have signed up for some rewards service that was never mentioned prior to signing up. The whole point of paying for insurance is to be covered but you made us pay 90% of our bill when it was supposed to be covered! Pathetic!

It’s understandable that insurance companies follow their outlined procedures to the letter. However, Embrace almost always delays the claim by needling to ask the vet for further documentation. Even when the invoice is sent fully complete with taxes, and all payments listed, they need to ask the vet for more documentation. In this case the invoice was for a non-covered therapy, just to document a dental cleaning under anesthesia. But, still same issue, they need further “complete” invoice.

I have NO IDEA how others are saying they've been having such a wonderful experience! I wish I could say the same! That was the idea when I purchased the pet insurance for my husky and mini Pomeranian, and sadly I've been let down multiple times. Their drop down menu for describing the reason for the vet visit is a fail. They couldn't wait to deny me for a "wellness exam" that they do not cover for them. Firstly, the visits were not wellness exams (for both dogs). And no matter how many times I call, nothing gets resolved. Then my Pomeranian has surgery and it's STILL pending an entire month later because of some documents from her first visit to the vet which I already submitted two weeks after I purchased the insurance, because Embrace has you make an appointment and submit those forms from that visit within a specific timeframe.

I have insured three pets with Embrace. All of my pets were adults when I adopted them and by then each had their own pre-existing condition that I knew wouldn't be covered. But in spite of that, as my dogs entered their senior years, Embrace was always there for their regular wellness, for an accident one dog had that caused a dislocated hip, and the other ailments that came up in both dogs' geriatric years. But I have never had to ask myself if I should get a dental cleaning, or schedule a surgery, or take my dog to see a specialist, or have an MRI done because I knew I could submit the claim to Embrace.

Embrace Pet Insurance was very easy to use. First I called customer service and all of my questions were answered. Next, I submitted my claim through the computer and I was reimbursed in a timely manner. As a USAA member, I am glad that Pet Insurance was offered through Embrace; therefore I knew it would be a reliable company.

I bought insurance a little late so pre-existing isn't covered but everything else so far, has been. I'm always worried about the vet bill but when everyone is on top of it (including vet) I get a notice I was reimbursed and shortly after a check arrived. Then I put in a jar to recycle so I'm not as worried. Thanks Embrace.

What a bunch **. I recently filed a claim because my chihuahua got her eye scratched by a cat that was in our yard. I filed my claim. I have been insured with them just about 2 years and provided all notes from any vet she went to. My previous vet saw her in March 2022 for her ear. They looked at cleaned it and said they found nothing but the vet left a form blank, (a check mark form) therefore they can’t pay my claim. The form that accompanied the first one listed all they did just no written notes from the vet. This makes absolutely no sense to me. I canceled them

What I like about Embrace whenever I call they answer. They are polite and caring and take their time to answer your concern. They are the best And you receive your refund back real quick. Thank you Brittany. You are the best Embrace. You are the best Marco. Doctor visit and refund are on time. Claim form is easy to fill out.

Easy to submit using online app. Claims paid promptly. Customer service is very easy to contact. The underwriting process has a few hidden gems. You must ask for a review of excluded conditions before you file a claim or decide whether to keep your policy or not. Otherwise, they do the full underwriting after you submit your claims.

This was a good experience with Embrace company. Joe made sure I understood the plan and answered my questions. Sometimes it’s hard to understand, but he was very easy to talk to so I could understand and they’re sure is a lot to learn about these plans. I feel that Joe was an asset to the company the way he explained everything to me and never got impatient. Thank you Embrace.

Our 1 year old labradoodle Ivy sustained an horrific chest wound recently while out hiking on a nearby mountain trail with my wife. More than one surgeries were required as the injury resulted in the loss of a large section of skin on her chest. Embrace’s online claims process was easy to use, their review process was quite timely and they approved all charges and paid promptly. We couldn’t be happier or more grateful. Paul ** Clancy, MT

I was so grateful to have Embrace Pet Insurance. When we were told our dog was diagnosed with IVDD and would need surgery as soon as possible. It was such comfort knowing we had insurance. It was a little scary paying our vet the full amount of the surgery and hoping we would be reimbursed. Claim process was very smooth and quick. Directions are easy to follow and any questions were answered quickly. All of our claims including an appeal were paid within 30 days. Not only is our dog living a happy life we have comfort that Embrace insurance is there in the future if needed. I recommend that everyone buys pet insurance. If not a matter if you will need it but when.

Great service and products available at a good price. When called they were cordial and the customer service was very caring, asked many questions and helpful. Definitely a company that we would recommend to friends and family.

My 5 yr old dog was having issues related to bladder stones. We had to get x-rays and ended with a surgery to remove the stones. I submitted the vet medical claim and received a response within 5 working days and received a check in the mail within 2 weeks.

The claim process through Embrace is one of the easiest processes available. It is easier than human health insurance or car insurance. It is easy as uploading any and all documentation and a representative with decipher and manage the claim for you. Then once the claim is finished there is your check in the mail. Straightforward process and the company representatives will always assist you with the process.

Trying to get a hold of a live person to talk to at this company is a real effort. Also the 24 hour veterinary help line is anything but help, every question we asked about our pet they answered with “We’re not qualified to answer that.” And before our claim has even been processed, they sent us an email wanting us to Rate their service. So far I’m real unimpressed with this company. If you care about your pet, it would be a good idea to look at other pet insurance companies.

I have had Embrace Pet Insurance for 9 years and have always had a good experience with them. They pay promptly. They may be more expensive than other pet insurance but their payment for wellness and if you have to use for illness or surgery has never been a issue. Would highly recommend.

Embrace typically pays claims by the next business day. My only disappointment is their Wellness categories are not included in the insurance plan. The wellness category basically is a savings program with only a $20 savings. If you have USAA insurance you will be given a dedicated telephone number for USAA members, and the representative answers the phone quickly for personalized customer service. I highly recommend Embrace pet insurance.

This company is more about data collection than insurance. I've had to submit more paperwork for my animals than I've ever had for myself. Currently I'm trying to get reimbursement on a vet visit for my dog. I've submitted everything that they have asked for 4-5 times and am still getting asked for more. At this point I don't think that they will ever pay.

I have been with Embrace insurance for over three years with my first dog. I never had any issues when I filed a claim. I now have Embrace insurance with my new dog and I am very happy with it. The claims people that I worked with always explain everything in detail to me if I need it. I would recommend Embrace insurance with every new puppy that you get.

I was a bit disappointed because when I first enrolled I was told that I wouldn’t have to worry about pre-existing conditions with any of my 3 pups due to the fact we started the policy on them when they were 8 weeks old, this wasn’t the case when I had to file. The request for paperwork from birth was required, that was not what I was first told. I was then told that if it was an emergency visit, which it was, the cost would be covered. Again that wasn’t the case! Items were not paid for because they were “regular” visit procedures. They WERE NOT done under a regular visit, it was all due to the emergency visit. Very disappointed because I was told one thing upon starting the 3 policies and then something else was done.

This is our first time using pet insurance and thus far it has been extremely frustrating. Our puppy had an emergency vet visit several months ago and the claim has still not been processed. We received the occasional email stating the need for more vet notes and details so I contacted our vet office several times to have the information sent over only to receive the same notice from Embrace a month later. I have tried asking for help via the app with no response. I finally spoke with a customer service representative and they were friendly but still unable to explain the issue. They stated that they needed information from further back and I explained that we had not even adopted our dog during those dates. I have heard good things about this company so I do hope they are able to do better in the future.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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