Embrace Pet Insurance Reviews

My last claim exp. was awesome. I submitted and the turn around was very quick and exceeded my expectations. My initial one was not! I was really upset that because my pet was potentially born with a liver shunt which I was completely unaware of My claim was mostly declined.

Avoid Embrace at all costs. My dog was a rescue, and over the course of her life, I paid Embrace over $5000 in premiums and only had two claims approved, for a total reimbursement of around $400. Even worse, I was told after the fact that one claim was approved in error. The reasons for denying claims are extremely shaky -- their adjusters will look for any anomaly in the dog's medical history or bloodwork and use it as a blanket denial for all subsequent claims for the rest of the dog's life.

I find your policies of "keep everything we can and deny as much as possible" disgusting. I have been paying into my policy for several years and have not used it - shouldn't you reimburse this? I think you all should refund me every dollar for every year that this went untouched. I have been bilked thousands of dollars from you because you refused to accept the original medical forms. Two years ago, when my dog finally needed care, I got delay, after delay, and run around after around from you about your ** policies and you did not reimburse me. This year I had to beat the door down to start getting reimbursed for his medical expenses. I will NEVER recommend you. You are dishonest pirates that don't actually care about pets - you just care about making money. I am disgusted by you.

We initially join Embrace be they partner with USAA who usually does a good job screening partners. In this case, I have had nothing but bad experiences with Embrace. Prior to our two cats passing in 2019 and 2020, they fought us for every claim, so much I just gave up and kept the minimal insurance to cover our dog. I do not recommend them.

I want to start by saying I have been a customer with Embrace since 2007. Up until recently they have been an excellent insurance company to work with. When we first acquired insurance in 2007 we were getting two German Shepherd puppies. Embrace at the time was the only company that covered hereditary diseases and let you customize your coverage, and prices were reasonable. They were just starting out then and treated us like family. We purchased $10,000/year per dog. 90% coverage with $1,000.00 deductible.

I had to deal with two separate departments.. First was the Medical staff. The woman that answered the call was very pleasant to talk to. She was able to tell me the information I needed about my cat. And rest assured that my cat will be fine. Second department was Accounting. They withdraw the whole year policy money for my cats in one shot. I had made the mistake. The woman was able to fix it and refund the amount minus the monthly amount. And we set up the payment plan to be taken out monthy.

I, admittedly, had concerns when I first had to put in a claim due to hearing horror stories from friends about their experience with other companies. When my dog started getting sick we had a number of consultations and testing to rule out cancer and then a liver biopsy. To date the process has been easy to submit a claim and so far thankfully everything has been covered and reimbursed within about two weeks time which has been a literal life saver for my baby boy! Getting this insurance with Embrace has been a wonderful experience and a simple efficient process.

Credit card cancelled in error. By stupid bank. They didn’t even tell me what they were doing. I was out of the country and they said they would send a new card to me but never did. Then send to my home but never did..

Easy to sign up and establish an account. Extra discount for USAA insurance. Highly recommended by family members and the people I dealt with were very professional. I have only had them for three days so far.

This company is very deceptive in how it conducts business. Very difficult to collect on a claim as they invent reasons not to pay. Only after my veterinarian had to explain numerous times and I had argue my case forever did they finally relent. Now I have been advised by them that they are increasing my monthly payments by 45%. They sent a notice advising that they asked the NJ Insurance Commission for an 11.5% increase that they haven’t received yet but raising mine 45%. When I asked why they gave me a run around. Stay away from these guys if you can, I made a big mistake and regret it now. This is not an honorable company. This company is a total scam.

I am very happy with this Pet Insurance Company! I was referred by my sister who now has her second dachshund insured by Ensure. I had only filed Wellness claims for Teddy until recently, but was very pleased with the professional manner my claim was managed, as it was the first time Teddy was seen by his Vet for anything other than checkups. I certainly will recommend Embrace to friends.

My dog was seen at a vet for a possible ear infection on 12/4/2021. He was treated and released. My dog was taken to the vet on 2/18/2023 and I was told he is not covered because there is a 12 month waiting period. The gaps between the 2 vet visits is approximately 15 months which is much longer than the 12 month waiting period. Embrace is saying he won't be eligible for coverage until 2/18/2024.

I've been very pleased with Embrace's coverage for my 11 year-old Chocolate Lab. Like the rest of us, his medical issues have increased with his years, but once I met my annual deductible, Embrace has been routinely and quickly paying my claims, including specialized tests and medications. I have used two other pet insurance providers in years past; both tried every trick in the book to avoid paying a claim. Embrace is a breath of fresh air and the affordable premiums can be customized to the level of coverage desired. I have recommended Embrace to all of my friends.

I got an insurance policy for my cat thinking I needed it for my apartment complex. I called the following day to cancel once I realized it wasn’t required. The company’s policy for cancellation promised a 90 day guarantee for my money back but I was nervous it would be a grueling process. Boy was I wrong! I called to cancel and my call was answered immediately and my refund was processed within minutes. Easy and simple.

I started my pet's insurance in November 2022. My pet injured himself in January 2023. The injury was not covered by Embrace because it is a pre-existing condition. How does 1/23 pre-exist 11/22? I am a veterinarian. He did not have a pre-existing condition and Embrace failed to insure him for his injury. VERY DISAPPOINTING.

This is the first pet I have insured and I did it because I am now a senior on a fixed budget. I was so surprised to use because generally my older pets had more bills as they got older. Scarlet swallowed a piece of a tennis ball and needed a work up and endoscopy and a ER visit and another follow up. Embrace really came through and reimbursed quickly. Definitely recommend them.

I picked Embrace out of the pile at the recommendation of the shelter I adopted my dogs from. I have filed a half dozen or so claims for my older dog. Thus far, every significant claim I have filed resulted in a protracted period where I awaited response (at times longer than the 15 business day turnaround advertised), only to be told (erroneously) that my claim was denied due to the issue being a preexisting condition (which has been an incorrect assertion every time). These have been with different adjusters, so it’s puzzling that I’m seeing a pattern where the rationale is either fundamentally incorrect or they’re misinterpreting my dogs history.

My dog ate something toxic and we went to the emergency vet. It's been 3 months. They keep putting it on hold 'cause they don't have notes from my vet on her puppy skeletal exam from a year and a half ago. My vet didn't make notes 'cause he didn't find any issues. But the emergency visit had nothing to do with any possible preexisting conditions. The holdup is ridiculous but their payments come out every month. Same day, no questions. Mmm well they did not anymore. I'm switching.

I have been waiting for weeks to be reimbursed for visits my dog had to veterinarian after she had a break out on her skin and tore her acl. They keep moving the 10 day deadline to research what happened.

They reimburse claims fast. They are very professional and friendly. Their customer service is exceptional. They expressed care and concern about my puppy. Without them I would not have been able to afford the medical care my pup needed.

My pet needed an expensive procedure that came on unexpectedly. Turning in information and getting back quick response and quick reimbursements eased the very stressful process. I would highly recommend trusting your pet with Embrace. The app is user-friendly. Only downside is getting someone on the phone can be hard. Wait times can be long.

I have never had a dog insurance that quotes one thing and does another before after a few decades of having a few dog insurances plus being involved with animal rescue. I questioned claims and Embrace upping my coverage because they decided to and then they changed it back which is good but that leads me to believe they have many badly trained employees in the first place. Also my dog had an issue and they did not believe the vet so then where do you go with that one?

I couldn’t be happier with my pet insurance plan with Embrace... My dog was recently diagnosed with a terminal illness, which was heart-wrenching news to receive, and Embrace has provided both peace and comfort at a time we needed it the most. It is PRICELESS to feel comfort in knowing I can provide the best and necessary care for my pet at the end of her days with the help of Embrace. I can’t begin to express my gratitude, and believe me when I say I have already raved about this company to anyone who will listen. It is so, so important to have insurance for your pet, especially in times like these. It’s worth every penny I pay. Thank you, Embrace Team, for always being patient with me over phone or email, and taking time to speak with me about my claims or concerns. I will appreciate you forevermore.

One star away isn't bad but it would've been five had information on the policy taken out through Embrace for my then 7yr old Akita/boxer mix been sent suggesting the wellness be included also. I'm easy. After a non-cancerous tumor removal plus his spleen he's back to normal after ACL surgery. Only requiring routine visits. Inoculations and basic wellness prevention that I had assumed was a part of his insurance plan already. Turns out he was not. I was able to easily correct this by phone with a representative. The online website is great and for the most part thorough, but there's still no substituting person to person conversation at least in this instance.

I will start by saying that in the past I have been every happy with my Embrace experience, and recently my dog had cancer, and they covered as they said they would up to my maximum of $5000/year. I saw on my phone App that I could up my limit to unlimited by paying ~$250 more per month, but not having my pet's conditions re-evaluated. (It said it would reevaluated if I lowered my coverage.) I paid for this service, received the terms/conditions/new Embrace coverage via email. My policy went into practice the next day.

I have Embrace for both of my cats. One of them was having issues throwing up, not eating and dehydrating. After multiple Vet visits including twice to ER Vets we got it figured out. Embrace paid their part of every claim (after my deductible) without fail. Having Embrace saved me a lot of expense. I'm also relieved that any future issues with my cats I will be able to financially handle.

I sent an estimate and was approved. However it would have been nice to know that they were not covering the whole amount in beginning. That is why I asked for approval/estimate first. I have no way of knowing how I am going to pay a $4000.00 vet bill. You should let your members know that they are close to the limit for the year. I had no idea!!!

I was ok with this company until they raised me from $90 to $150 in one year! I understand the need to raise rates but by 50%? And when I called to complain the person said, "Well you can always cancel." Great that’s what I did but that’s also what they wanted me to do. My dog is getting older but he’s very healthy and have only made a claim a few times and for things like ear infections not serious operations. I was really disappointed I paid for this as long as I did.

Extremely polite and knowledgeable customer service representatives who follow company policy to the letter. Requests to elevate my calls were declined when I asked for help outside the norm. Additionally, policy rates do increase substantially year over year. Self insuring over the life of the average dog is a better option for me and my fur babies.

I researched many pet insurance options before choosing Embrace. I chose for coverage and price. Customer service has been excellent! I’ve filed 3 claims with no issue through the app. It’s brought peace of mind in providing care to my lovely cats.

VERY WELL CONVERSANT WITH THE PARAMETERS OF THE PROGRAMS AND DESIGNED OUR POLICY TO CONFIRM TO OUR NEEDS AND BUDGET. A CREDIT TO YOUR SYSTEM. EXCELLENT ASSOCIATE. WOULD MAKE AN EXCELLENT TEACHER FOR OTHER ASSOCIATES. OUR KUDOS TO JOE. GREAT GUY TO REPRESENT EMBRACE.

I spoke with a very knowledgeable person who helped me decide which insurance plan worked for my pets and my limited income. I would recommend him (Joe) to anyone who wishes to have all their questions answered and follow-up suggestions from him.

I have signed up two of my pets with Embrace about a year and a half ago and the entire time dealing with them was nothing but headache. I used to be with Healthy Paws and never had problems with them until they stopped taking new pets in my state. The rep recommended Embrace because they were well established and I made a mistake of listening.

When it comes to pet insurance Embrace is the best! They are always so kind, helpful, happy and professional. I can tell they love pets and it’s great to work with them! From the time I started a policy to now (3 years later) I still love them!

When I adopted my dog five years ago, I made the decision to get pet insurance just in case. I never wanted my financial standing to impact my ability to care for Mabel to the best of my ability. She was recently hurt in a minor disagreement with another dog and needed a partial amputation of her ear, as well as an overnight stay at the emergency vet. Embrace seamlessly handled my claim and issued a reimbursement check. Customer service has been polite and helpful in the instances I've had to reach out to them. Naturally the price of her insurance goes up every year, but she is worth every penny and the peace of mind I get from knowing she'll be healthy is impossible to put a value on.

I’ve been with other pet insurance companies before and I’ve never been satisfied. But with Embrace they are incredible and they actually do what they say they’re going to do and cover your pets and reimbursed you for taking care of your beautiful animals!

We adopted two cats in August and took them to the vet for a check-up just to make sure everything was okay. Fortunately, they were both in good health although the vet did detect a slight heart murmur. At the time of the examination, the vet informed us that this could be attributed to the stress of being taken out of the home after they had just gotten used to our home. (Fear that they might be going back to the shelter.) Sure enough, on subsequent visits, the heart murmur was no longer heard.

I purchased my pet's health insurance policy in mid August 2022 and provided my pet's medical history at that time. I filed my first claim the first week of December 2022 for an ear infection. After calling and writing to Embrace for over two months to get the status of my claim, they finally reviewed my pet's medical history in mid February 2023. During this 6 month time I submitted my pet's medical records three times because they continually lost the documents. So on 15 February 2023 they rejected my claim because my dog had a prior ear infection. They waited over 6 months to review my dog's medical history. I believe they wait many months to review each pet's medical history so that they can collect insurance premiums and then deny claims. Embrace Pet Insurance is a complete scam. Please save your money and use a quality insurance company for your pet.

Embrace Policy: Embrace covers every illness from nose to tail with no precondition limitations. This means if your pet is prone to breed-specific illnesses, medical treatment is covered under your plan. Lab surgery on rear leg declined because vet noticed a limp at a wellness check. Nothing else noted. Six months later, limp returned, x rays taken, showed a tear, surgery performed..Surgery DECLINED. "Pre existing, not long enough on policy, (never noted previous on any policy). Better to open Saving account at bank that gamble on this type of insurance operation.

My dogs have been insured with Embrace for several years but I have only made my first claim. From the call to understand the process to the payment, I couldn’t have been more pleased. Their customer service made a tough situation around the health of my pet far less stressful. Thank you embrace.

Nana denied coverage due to wording of mast/cyst/ingrown hair...Cytology not needed by vet...Cleared up in 2 days. Vet felt no necessity for needle or cytology., vet. Drs. Unaware that a small bump on skin required cytology or needle procedures. My vet Dr. has tried to answer your questions... Your adjuster needs to be aware, vets are not versed in insurance claims.

This was a somewhat complicated case and we were new to this service. They were in constant communication with us throughout the entire process explaining every decision. Frankie is now healthy and thriving. I have highly recommended this coverage to my friends. Thank you so much. I feel confident that Embrace will be there for Frankie should the need arise.

Embrace has provided the most excellent customer service in relation to their clients in need of service regarding information on their pet's insurance claims or policies. Their employees always go above and beyond to provide the most current status of a claim or help with an issue. I have been a long time client and have always gotten the information I needed.

My 4 year old mastiff was diagnosed with cancer last week. We are facing surgery and chemotherapy. We have had Embrace since he was a baby. So far Embrace has been fabulous! All claims processed and money back within 3 days. Thank you so much for making this process so easy. We have so much to worry about and I am so grateful that money is not one of them and we can focus on taking care of our boy.

All I can say is that Embrace Pet Insurance has not ever let me down. I am very happy with the speedy processing and courteous “Embracers” with whom I have interacted. This is the best pet insurance I’ve had!

Embrace was wonderful, helping me step by step with claims for my dog Sadie who was diagnosed with cancer. Supportive through it all. I would recommend everyone with a pet to get Embrace because when a catastrophic accident/illness arises, the bills are huge, the experience horrible. They are there to help you emotionally and they are true to their policies. Thank you so much for everything Embrace.

Always excellent customer service. All reps have been very helpful explaining coverage and the claims process. Lots of options for coverage to fit my financial needs and keep my pets covered for accidents and illnesses.

Although it took a couple more days than advertised to repay me for my cat's wellness expenses, Embrace did follow through with repayment on that. I was mostly pleased with that. However, Embrace took far longer than they advertised to fulfill claims (around 14 business days to process a claim). It actually took more than 30 business days due to required medical history reviews that I thought Embrace would have already requested and completed around the beginning of my policy.

My experience filing claims with Embrace was excellent. Any process questions I had were promptly and professionally handled - I couldn't believe how easy they made it! It was an easy decision to renew my policy when it became time.

Questions concerning filing a claim were answered. Notified of receiving our claim was fast. Asked how send to additional charge and the claim was submitted and Dan was very efficient and helpful. Thank you.

I am so disappointed choosing Embrace Pet Insurance and cancel Nationwide. Claim needs 30 days to review. Does the company have enough employees? In my opinion turtle walk faster than claim department.

I am an Embrace customer. I submitted my claim on 11/22/22 and 2.5 months later it has not been fulfilled. When I submitted my claim Embrace said it would take 30 business days. Embrace sent a medical records request to one of the vets who assisted by dog with her illness, All Bay Animal Hospital, but sent it to the wrong address. When I spotted their mistake on 12/22/22 and notified them of the correct email address, Embrace then said it would take another 30 business days due to their own mistake. Then a week ago I learned Embrace had only then just sent a medical records request to the emergency vet who treated my dog.

I did a lot of research on pet insurances and Embrace rose to the top. I signed up and true to the reviews they excepted my claims and I was completely satisfied until my renewal on the second year. I was shocked and certain that a mistake was made. My monthly bill went from $66 a month to $98 a month. Please note that I put in claims that did NOT exceed my deductible last year. They did not reimburse me any money so it's not as if my pup has any issues. When I called they said renewals can jump 25-35 percent a year as an industry standard. When I pointed out they well exceeded that number they said there was nothing they could do. It was not based on claims. Just the age of the dog and policy age. She is only 7 years old and has many years before major issues occur. I supplied a medical history when I signed up showing she had been a healthy dog. I feel scammed by Embrace and now have to start this process all over.

I found that it was very simple to upload my vet invoice with my claim and I was very quickly reimbursed for the qualifying amount. I would definitely recommend this insurance company to a friend. Great service and a great response time!

Embrace representatives pushed and pushed for me to get a ligament and joint review for my dog within the first six months of the policy. We did because it was explained as being helpful for us. The only thing noted was mild crepitus, meaning her knees pop occasionally when tested. Fast forward two years, we have never missed a payment and never had a claim outside of wellness which is a separate policy anyway. My dog has a ruptured ACL. Since her knees mildly popped two years ago, they are refusing to even cover the initial visit which identified it, much less the surgery she now needs. They have very unethical business practices. They only care about the bottom line and not the clients or the animals.

The gentleman who I spoke with that signed Zappa up with insurance was great. The reason Embrace received a 3 star rating is because of how long it's taking to get my claim complete. I wish Embrace was a bit quicker at finishing up my claim so that I can get paid.

I’ve had Embrace for 13 years now. Embrace is easy to work with, and pretty transparent. Something to be aware of, you should get preapproval on surgeries. You just never know, as some items may not covered. Also prescriptions for home are not covered unless you add to your policy (few dollars extra). All in all, it’s a good insurance. Surgery for my dog was $12,500, not to mention the previous visits. I was really glad to have embrace, as together they covered the $10,000 after my yearly $500 copay. I wish they would cover more as I ended up out of pocket after that as well.

This company gives you the runaround to avoid paying claims. My 9 month old puppy had a upper respiratory infection. I took him to the vet and the charge was $125. I submitted a claim but I keep being told they don't have all of my dogs medical records even after I uploaded everything multiple times. They then contacted my vet and got what they needed but after a week they decided they still needed more. After getting that they decided they needed records from the vet that completed his Neutering appt. It's ridiculous. That vet doesn't even have any records other than what was from the Neutering appt. Anyway even after getting this they still haven't paid the claim. It's been over 2 months... I would not recommend this company to anyone.

My dog recently had surgery for a cancerous tumor. It was such a relief to have the financial support of our Embrace policy. Every claim has been simple to file and paid promptly - giving us peace of mind and one less thing to worry about. The cost for our monthly premium is competitive and the customer service has been excellent. I can't recommend Embrace enough.

After researching pet insurance I contacted Embrace for more information. The representative on the phone, Stephanie, was very helpful, knowledgeable, professional, and courteous. She did not pressure me to take out a policy but answered all my questions and was familiar with other pet insurance companies. I knew after getting my questions answered that Embrace was the pet insurance for my puppy.

I adopted a cat from the Humane Society. After a week I took her to the vet. I mentioned that the cat groomed more than my previous cat. My vet examined the cat, bloods, etc. and examined her skin and coat and gave her a clean bill of health. Embrace took over two months to claim that my casual observation/query consists of a clinical sign of a pre-existing condition. This is deceptive and shameful! Even according to their definition of a clinical sign, her grooming was typical for her and not a change in her normal, healthy state.

The initial claim took a while, but second claim was better, customer service when I called was patient and very knowledgeable. I got a check, would have preferred direct deposit, but it’s okay. Pet insurance is definitely worth it. Pet Embrace is affordable and takes care of my dogs.

Excellent service! We chose to get Embrace insurance for our sweet Minou. Sadly, she passed away yesterday. We expect the same good service we’ve had before. It’s important to know that we have good insurance for times like this. Thank you, Susan **

Embrace pet insurance has had my claim for five months. It is currently on hold for records from my previous vet, despite my email notifying them regarding my previous vet closing and no longer having access to them. They were unable to get the records from my current vet, but when I asked my vet for them, they were emailed to me within the hour. I get the impression the adjuster for my claim is either unconscious and/or illiterate.

A technicality in our policy’s renewal allowed Embrace to charge two deductibles in one claim, taking advantage of our trust. Such Immoral behavior is no different from the snake oil-selling types of the old. One cannot feel embraced when forsaken by those we trusted - the shame.

Definitely not happy with the outcome of my claims. First claim you have to wait like 30 days since they have to go over your pet's records. After that whenever you submit claims they will always ask for additional docs such as vet notes etc but the worst of it is that they will keep requesting the pet's records over and over delaying significantly your claim to be paid. Is very frustrating and all I get is “we understand your frustration,” all I need to see is my claim process moving faster. Current update: Dog is very sick and I just can’t get this claims paid when I pay $164 every month for this service.

If your doc's office doesn't invoice they way Embrace wants, there's essentially zero to no coverage. You just continue to pay your premiums that go up each year. And for consistency, their staff are all trained to say no or tell you how you don't qualify when it's a matter of loopholes and invoice ** game. It's a circus of jumping through hoops to even get a partial payment on qualifying claim.

My small dog got into a large amount of chocolate intended to be a stocking stuffer. Thanks to the vet for saving her, but a huge thanks to Embrace for making it super simple to submit the claim and a prompt payout of almost 67% of the bill.

I believe this company is such a scam! They have delayed my claim for over 60 days. They claim to not be able to retrieve prior medical records from a different office, which is silly in this day and age. They also try to make everything a pre-existing condition. I believe they are reaching in order to not pay out. It’s very frustrating process. You should feel comfortable taking your dog to a vet with a strong insurance backing you! Beware of this company. They do not like to pay out! This is the truth. You will see it in other reviews. I only wish I had researched it more. I will not renew my policy.

I have just Now bought the policy and I hope it will be a great decision. Tiffany the rep that I talked to was the reason I chose this insurance. I only wish I had gotten it sooner. But I will tell everyone I see they need to get a pet policy and hope to recommend this one.

I wanted to write this review because I do have a little bit of frustration, and that is the fact that I filed a claim that was not severe or anything. Although what really disappointing me was the fact that the embrace people spent more time trying to find out pre-existing conditions from prior medical records so they could come up with anything to lessen the coverage on my little pet Frankie. It was very frustrating and I think it's wrong. They have good customer service but what is the point of that when they go out of their way to try to find out anything that they can to find something they can label as pre-existing. It was ridiculous. I even showed it to and brought it up to my veterinarian's attention, and all he could do is just shake his head.

I have insurance for 4yrs now and I never had a bad experience, great service, fast refund, no hassle, and covers basic visits and shots, only con is very pricey and got more expensive since covid, but I guess you gotta take it for no hassle service! Because these pet bills are no joke!!!!

I would give them zero stars if I could. Stay far away from this company. They are unscrupulous and will do anything in their power to not pay on claims. They say they will take 1 month to review a pet’s previous health history but it took almost 4 months. They call everything in the world a pre-existing condition. If your dog has ever been to the vet for anything they will call it pre-existing and refuse to pay. My dog had one ear infection and now they won’t ever treat any ear or skin condition for her life. I would try any other company before this one. I only went with them because USAA endorsed them but I am going to do everything I can to reverse their endorsement. The sales guy totally lied about everything to get me to switch and now I am stuck because I can’t go back to my old company. Run run far away from them!

Have always had a good experiences with this company. Have 4 dogs on my plan and have used them for 11 years. Submitted a number of claims and they have covered as expected. Very Happy with the services of this company.

All claims were denied as SPCA examinations of the two cats I adopted were not acceptable and the cats were surrendered there with no medical records. Bills for care and meds were denied. I paid early a thousand dollars for insurance and far more for my cats’ care. This seems a waste of effort all around.

My dog recently had to have orthopedic surgery and the process of filing my claim and it being awarded was quick and easy! So glad to have the peace of mind of having insurance for both my dog and my cat.

I was a little skeptical at first but Embrace lived up to my expectations and they were very helpful and patient. The customer service team was excellent. I would recommend them to anyone that needs pet insurance. Very easy to work with and prompt service when a claim is submitted. Thank for all your help and support.

Their response was quick and fair, a company we can trust to help us protect our best friend. Medical treatments were not expected but critical to Jonas as well as our peace of mind. Do not be unprepared in time of need.

I have just recently purchased pet insurance for my 3 cats and I have been extremely pleased with the coverage and claim experience thus far. Embrace is responsive, thorough and very clear in their process. Both the app and website are very easy to use and the process couldn’t be simpler. The turnaround time on claims, explanation of benefits and refunds is very speedy. Overall, a great experience thus far!

I contacted Embrace customer service to check on whether or not a medication recommended by my vet was covered by my cat's policy. The customer service representative was extremely thorough in her research of the new medication and as a result discovered that it was covered. I am extremely grateful for her thoroughness.

Spoke to Creed and he answered questions for me about Embrace. I’ve never had pet insurance so this is my first time. I already spoke to my friend about your company and we both are looking at one other company.

Embrace pet insurance is an excellent company. The nicest customer service as well as adjusters. Rates are fair and policies are varied to fit your budget. Payments are made in a timely manner. Highly recommend Embrace. It’s easy to contact customer service for any questions. I’ve had 4 cats insured with them over a period of years. The policies are comprehensive in the coverage.

I've only been with Embrace for a little over a year and recently received my renewal notice. It indicated that my monthly premium would be increasing by $22.03 per month and Embrace stated that because of the age of my pet and that I could expect the premium to increase annually since my dog's age would increase each year. They had the audacity to email me a survey and ask if I would recommend Embrace to my family and friends. Not only would I NEVER recommend Embrace to my family and friends (or strangers), I would recommend that they run away quickly because clearly Embrace is just plain greedy and doesn't care anything about animals whatsoever. STAY AWAY FROM EMBRACE!!!!

Embrace Pet Insurance is by far one of the most shady companies that I have done business with. They have found a way to deny claims for a puppy that I have based on a previous condition of parasites, which is common for most puppies. My puppy has been treated and cleared of any worm or other parasites, but still has GI issues causing diarrhea and Embrace has denied both of my claims so far for a "pre-existing condition". After speaking with their claims analysts, there is zero concern for the customer or for the pet and the only concern that the adjustors have is whether they can find a way to deny the claim.

I am a veterinarian and often discuss insurance with my clients. I decided to take my own advice and get my 11yo healthy dog on a plan. At the end of the first year on the plan he was diagnosed with 2 types of cancer. The claims process was very easy and the claims were processed quickly. The reason for the low stars has been the outrageous premium increase after one year.

Embrace seems to be a normal company until you get into trouble. After 10 years of health, my cat got very sick. I saved all my receipts but wasn't sure exactly what to do. I called Embrace and they were so kind it made me teary. They coached me every step of the way. It took about 3 weeks to get all my claims approved and then within a day the money was in my account. Thank you Embrace. Patty ** & Cricket Little Paws

We got this insurance a week or so after bringing home our 3rd Boston Terrier. We had never had Pet Insurance before. Unfortunately, we have already had to file a claim, because of an injury our pup sustained at 8 months old. Fortunately, we have Embrace Pet Insurance and after the $1K deductible that we have was paid, Embrace has reimbursed us for the rest of the medical bills. Great service!!! Highly recommended!!

I changed to Embrace from another insurance company because of a partnership with USAA and reasonably favorable pricing. At first renewal- which is in one month, price increase >50%. An invitation with good pricing followed by "reevaluation" due to "market conditions" feels very shady to me.

I have had Embrace for several years and the only positive is they pay out fast. Other than that they do not care about the consumer or the pets. I got it when my husky was 10 years old and now he is 16 and very healthy. He has had surgeries only because of accidental ingestion three times, but every year since having them the monthly premium has increased. First it was minimal, 5-10% but the most recent was 40% increase from $320/month to $445. Every year he gets older they increase the premium knowing that at his age no one will insure him, and when you try to adjust or lower the coverage they explain that if I ever want to increase or reverse the coverage I will be treated as a new client and unlikely that I will be approved since most of not all insurances will insure a dog as a new client past the age of 13.

Embrace will take your money, but they won't reimburse you for any claims you make. You can expect difficult form submission and ZERO reimbursement for claims. Why bother paying for insurance, and going through the hassle of submitting a claim, if all you are greeted with is denial and frustration. What a terrible experience.

Took my baby girl in for a lump on her hip, had some test done, thank God nothing wrong. Submitted bill and nothing yet! Over a month now, had to resubmit and nothing! Waste of time and money. I'm better off paying myself the $49 a month in a savings to cover cost. A joke.

The entire process over the last 4 months since my Sailor was diagnosed has been arduous and painful. The efficiency of reviewing and reimbursing the claims that were submitted and the understanding by Embrace has been outstanding. I will be sure to recommend you to my friends and family.

We have had no issues with them, great pet insurance company! Their staff are so compassionate with you during calls. Never had pet insurance before and so happy with the service. Timely in reimbursement process. Would recommend them to other pet owners if looking for good insurance and support.

Have never had a bad experience! Great communication always, fast response time! Very user friendly! My pet is happy and healthy! Never will I change coverages as this has been a great experience. Good good good good. That all I can say!

My cat was diagnosed with diabetes with a recommended course of treatment. Submitted the vet bill claim and received a response and settlement in less than a week. Very pleased with the handling of the claim and the speed of response.

I put in my 1st claim on my dog, and after getting help on how to do it, was so easy. And I can't believe that they processed it so quickly! My dog has better insurance than I do! Thank you for making a difficult time easier.

Clay from Embrace knew right away that my Yorkie, Einstein, is my boy, not just my pet. He was compassionate and filled with knowledge and explained everything in detail. Then he proceeded to help me with altering the plan so that it was affordable for me and I will be calling him back again. Embrace offers so much more than any other insurance company I called. I am amazed with the low amount of coverage and deposit and deductible! Thank you for this insurance coverage. I know many people would benefit from your insurance and I will be telling all of the pet owners in my family and friends list and on Facebook.

One year ago, I took Embrace insurance for my cat. My monthly charge was $62.28 per month. Embrace just sent me my renewal rate, which is now $91.86 monthly. My cat has been recently diagnosed with a benign case of hypertrophic cardiomyopathy and other insurance companies will not accept me as a result of the pre-existing condition. Embrace is taking advantage of the situation and it's a shame! I DON'T recommend that company at all!

They really do NOT cover much. They really do NOT cover much, their goal is to deny as many claims as possible to stay in business! They have denied Every claim I submitted, stating it's not covered in my state, what a scam. Waste of money!

We’ve been Embrace customers for both of our dogs for several years. Accident claims processing and review times have vastly improved so far in 2022. We recently had an incident where my dog invested a lethal quantity of macadamia nuts. The claim was reviewed and approved in under 48 hours, paid in something like a week. That was incredible. My human healthcare claims take about 6x as long to process. We are very happy with embrace.

Embrace was incredibly easy when submitting all my invoices for when my dog was unexpectedly sick. It was already a stressful experience and it was really easy to be reimbursed. Getting pet insurance was the best thing I have done as a pet parent!

We have had Embrace for many years, last year our dachshund went down with IVDD and they have been amazing at claims payment, support and service. I cannot say enough good things about Embrace Pet Insurance, without them our beloved boy would not be with us today...AND, he is finally starting to show some signs of improvement after months of rehab.

I have a cat that had a yeast ear infection. Due to the ear infection my cat was scratching around his ears from the infection. Embrace claimed that since my cat had dermatitis 7 months earlier that they would not pay for my cat's ear infection. It should be noted that 7 months earlier the dermatitis my cat had was from flea bites. At the direction of our veterinarian we immediately started a monthly flea treatment program and it completely resolved our cat's scratching. It is only common sense that had our cat continued to experience skin issues we would of immediately returned to our veterinarian.

Here is the dark and ugly truth. They do not do medical history reviews until AFTER you file a claim. I went over three years paying this absurd company thinking I was covered to find out they ruled my dog's condition as preexisting. Absolutely criminal, unethical and immoral. They will do whatever they can to ensure they do not pay you. They have stolen from me for 3 years and I’ve paid 8k in surgeries they are responsible for. For military members, USAA is partnered with them and they are currently looking to drop them because of my experience alone. Google search reviews and you will see I’m not the only one to experience this.

As a 5-year customer, my premiums have more than quadrupled over that time period. Unreasonable premium increases…52% increase this year alone. Too much paperwork and vet visits to switch to another company so they know they have you in a stranglehold. Would NEVER recommend to anyone.

Although we had to request a review of our claim after an initial rejection, after further review the claim was approved - savings us thousands in expenses. Our representative was helpful throughout the process and we are very grateful to Embrace for their support!

I needed help navigating through my first claim. The person I spoke with was great and she got my claim approved within a day of speaking with her. She was nice and understanding and helped me to understand what was going on.

I would give 5 stars but I wish I could change the date code when the payment comes out. If I could switch it the 1st of every month then I wouldn’t have to worry about canceling it to start my pet insurance over.

This was the first time in years that I actually put a claim in. My dog needed a few very expensive procedures done all at once. Embrace was amazing and I got my checks so very quickly, I was surprised how easy it was using the app. No fire rings to jump through. A+++ experience, wonderful company, great customer service.

The first claim is a little tedious. I assumed since we did the original visit to qualify for the insurance, that first claim would be smooth. However, there was a lot of back and forth and record giving. Wish there was a better process for the first claim. However, any subsequent claims have been really easy. I love the direct deposit. Using the app to upload is easy as well.

I've spent $210 towards this pet insurance since getting it a couple of months ago. My dog vomited from eating too fast. Took him to to get him checked. Submitted the claim for $690 (xrays, medication, etc.) and was denied coverage by Embrace. Their reasoning was that his vomiting was considered a temporary illness and the veterinarian's appeal letters that stated my dog was healthy and the vomiting incidents were unrelated. Were insufficient in approving the claim.

I expected to have to fight to get my claim approved for our puppy’s stem cell treatment for elbow dysplasia. There was a bit of a delay in getting records from all of the vets. A quick phone chat resulted in a quick resolution. I am thrilled at how responsive Embrace has been. Highly recommended!

I should have checked on insurance a long time ago for Morris the cat and I am glad I finally did...and I am glad I chose Embrace. I would highly recommend this service to all of my relatives and friends.

Embrace stands head and shoulders above other pet insurance companies. Their Wellness plan is almost like a health savings account for hooo-mans but they put their $$ with it as well. I have spent many years in sales & customer service as well as pet business and am VERY impressed by everything from their website to interaction with reps on the phone. You will not regret choosing Embrace.

I was a little nervous about how the process would go, but I was pleasantly surprised by the outcome. It took a while for all the required vet history to make its way to Embrace and be reviewed, but once that part was done the rest was a breeze! The communication was clear and professional. Will definitely stay with Embrace!

My Premium was $1000 this year and I just received my renewal for next year, Embrace increases my premium to $1600 without any explanation. I understand cost of everything went up and there's inflation now too but $600 increase??? That's 60% increase!!! Between cost going up and inflation, 20% increase is probably more reasonable. Anyways, I called Embrace multiple times trying to speak to a supervisor to find out why this happened, but Embrace refuses to speak to me and all I got was a email response that my dog is aging hence the price increase. I'm very disappointed with their customer service and their supervisor Sarah is avoiding talking to me on the phone. You would think maybe there's new perks or the coverage is better given $600 increase but NOPE - same coverage as before. I feel that we are being punished because of my dog is getting older. I'm totally ok with annual increase of premium but not by 60% each year.

Personalized insurance levels (you can set the deductible and the coverage amounts to fit your budget). Very easy to submit claims via the app, fast response to claim submissions and excellent live person help when needed. If you want insurance for your pets, this is the place to go.

Embrace Pet Insurance -customer service rep. Ashley was considerate, informative, and listened to my concerns regarding being a first time pet insurance policy holder. The live person customer service was a huge plus, as so many businesses today reply: please visit our app and the FAQ page. I needed more for Pet Insurance.

Ever since I signed up with Embrace for my babies, they have been outstanding! I couldn’t have asked for a better pet insurance company! I always recommend Embrace to my clients as I am a veterinary technician, but I do tell them to do their research as they may find Embrace may not fit their qualifications.

Buyer Beware - I wish I could give less than 1 star. This was my first experience with pet insurance and it was an eye opener! When I submitted claims to prove I had met my deductible, within 24 hours I received notification for my renewal, which was over two months away - at an increase of nearly 40%. When I called to question, I was told that a 40% annual increase was 'normal'. I never actually intended to file a claim, only prove my deductible had been met in case I needed to file a claim and EVERY SINGLE claim I filed to prove this was disputed and denied even though I had the vet complete Embrace's forms. Embrace looked amazing on paper but I don't think they ever would have approved any of my claims.

I have used Embrace for all my pets over more than 10 years and with 6 cats. All of them were adults when I adopted them and a few had pre-existing conditions. Embrace was always clear and honest about what would and would not be covered after getting the medical history and initial physical. As my pets got older and sicker, it was certainly money well spent to know they could get the care they needed and that I would be promptly reimbursed for covered expenses. 4 of my cats have since passed, and they were kind and compassionate when I contacted them to remove a cat from the policy.

Reggie and I just want to extend a huge thank you to everyone at Embrace insurance, we are so grateful we chose you as our company. Reggie was diagnosed with bilateral severe hip dysplasia and was recommended that he get both hips replaced, he’s recovering from his first surgery very well and the second will be scheduled when he’s all healed. So glad we have Embrace so we were able to provide him the highest level of care possible so he can live a happy, normal dog life.

I had insurance for about seven months and the family dog was getting nauseous and throwing up. After a few days, we decided to take him to the vet. Well, long story short Embrace said that nausea was a pre-condition. I never heard of nausea being a precondition. To continue my short abbreviated not so long story, I highly recommend this company. All they did was weasel out and just tried to sell more insurance. The company **!! Go to Petsmart and get their dock in a box. I’ve been told that they just take care of the animals. I’m a USAA member and the only reason why I trust this Embrace company was because it was on the USAA site. Silly me.

I adopted my dog from the local shelter in November 2021 and signed up for Embrace Pet Insurance in December 2021 as it was recommended by USAA. In August 2022 he had lameness in a back leg and was seen at the local emergency vet as it was a weekend and my vet wasn’t open. The charges were over $900 and testing revealed positive for Lyme. I filed my claim with Embrace and TWO MONTHS later was told nothing would be paid because he had a limp when he was dropped off at the shelter by animal control so this was a “pre existing condition.” I had asked my vet when she followed up with my dog in September if there was a correlation. She said it was not impossible but the shelter did not test for Lyme and there are multiple things that can cause a temporary limp, particularly in a dog that was on the street.

On 6/1 I completed the applications for two pets’ insurance. I submitted my dog’s healthy medical visit documents and was awaiting to set my cat's next vet appointment, however, I received an email from Embrace that indicated that both my pets were now fully insured. This confused me so I called Embrace again thinking perhaps I misunderstood the policy. I called in to see if Embrace had all that was needed for my cat’s health insurance, I was affirmed from the customer service agent that nothing more was needed, they had everything for my cat and he was fully insured.

They will keep your refund if you don’t continue to call them several times! Absolutely ridiculous that you even have to remind them that they owe you money!! Never go with this insurance company if you don’t want to get scammed!

I tried this company because they have an association with USAA, an excellent company unlike Embrace. I paid an upfront annual premium of $630 to insure my cat. The background and health history required was unending. Even after a well health checkup from the Vet, Embrace would not acknowledge our pet was covered for anything and would not cover any Vet charges for things like teeth cleaning, feline leukemia shot, etc. The $630 was a total waste. All they said was No! Then they wanted a second-year premium of $854. For what I wondered?? No coverage? I said no, and cancelled the policy. Don’t use Embrace! It’s a scam!

This review is painful for me to write. However, I feel obligated to shed light on how Embrace truly runs its company in the hopes it helps save the lives of future animals while providing pet owners with more transparency. I recently signed up for Embrace in 2022 to ensure the health of our cat Baker, and new puppy, Sancho Panza. Over the last 4+ months, Embrace continuously denied reimbursement claims for NON-PREEXISTING CONDITIONS, like vomiting and sneezing, for our cat Baker. However, when Baker fell ill this summer and needed detailed medical attention, Embrace would not help us. They worked every angle to ensure no compensation, which bled us dry between the 100% out-of-pocket vet bills ON TOP of the monthly $150+ Embrace policy payments.

Very happy with the ease of the process. Incredibly fast with evaluation and reimbursement. I’ve told all my friends about how impressed I am with your company. Thankfully, Gus is doing great. He is a lovely addition to our home so much so that we are considering getting another dog.

Derek was very helpful in guiding me through the process of issuing the claim that is associated with my pet's illness. I was able to collect the information and prepared it for mailing since I wasn't familiar with doing so by email.

Unless your pet is brand new to the world, the insurance is a scam and not worth it. My cat Lucina had to go to the emergency room - twice - this summer because of bladder stones that have developed. I spent thousands of dollars on her diagnosis and treatment, and Embrace refused to cover any of it. Why? Because in January, she had a UTI. Apparently because we never did the tests to rule out bladder stones then, they won't cover bladder stones we know she has now. It's one thing to say you won't cover things she's definitely been diagnosed with before, that makes sense - but to not cover something because she might've had it? Come on. I ended up cancelling my policy because I might as well spend the money directly on treatment rather than feeding it to a company that won't cover anything my cat actually needs. Thanks for nothing.

We had multiple visits to the vet over a two week period involving a possible blockage and other stomach issues. We soon exceeded our deductible with Embrace. It was very easy to file a claim and Embrace quickly responded with payment.

My customer service person (Creed) did a great job explaining the options, saved me some money and was very knowledgeable. He spent 20 minutes answering all my questions, gave helpful tips and was generally concerned with the quote he provided.

When you get a Saint Bernard you know that every vet visit is going to be expensive since almost all of the medications or vaccines are by weight. We got Embrace Pet Insurance as soon as we got Fenster to have peace of mind in case anything terrible happened. Well Fenster broke a tooth and had to have it extracted... anesthesia alone was over $500! Embrace requested a bit more information from the veterinary dentist and then covered the majority of the claim. It was quite a smooth process. We also use the wellness rewards as we know with flea and tick and heartworm medication we spend a lot on our gentle giant. We love Embrace!

I find it very easy to submit a claim via the app and my claims have always been handled in a timely manner, including reimbursement. Communication has been prompt and easily understood. I Will recommend your services to other pet owners.

Insurance is something you never know if it is good or bad until you need it. Well, when I needed this company they disappointed me. They are REALLY GOOD at taking my payment. When my CC changed and I got one week behind on payment they make multiple contacts FAST and send menacing messages to ask for my money. But when I sent a claim they took almost 4 months and kept denying it for bogus reasons. My dog had an ear infection and they keep asking for documents from MONTHS ago for a veterinary visit to check for previous diseases of the pup COMPLETELY unrelated to a god-damn EAR INFECTION!

The claim was handled very quickly and professionally. Embrace kept me updated during the process via email and I was amazed at the rapid turnaround time once my dog's receipts were received by Embrace. This was my first experience with filing a claim and I was very pleased.

Spoke with representative Christy. I explained a problem I was having with my password not granting access. She handled that quickly. Then, answered questions I had on the Wellness Rewards program. After that, Christy emailed me my policy renewal. I have been with Embrace Pet Insurance for 7 years and plan to stay with them. Excellent service & quality insurance.

The ease of submitting claims online is so easy that for me to admit even I can do it is saying a lot. The claims were processed with-in 24 to 48 hours which is far quicker than the time Embrace allowed. The refunds were deposited in my bank account immediately! The Embrace Web site for my account is kept updated to inform me of my available benefits.

They lived up to my expectations on covering our cat's accidental poisoning. They exceeded my expectation on speed in approving claim. The staff were personable and very helpful. This is my first experience with pet insurance and I certainly would recommend Embrace to pet owners.

We have a eleven year old lab, a 12 year old cat, and our newly added Embrace lab pup “Fisher”. Not one issue in over 10 years from invoices to claims.. You have a life long customer in the mountains of NC:). Thanks for all, ** Family.

Best service. Polite and prompt. Claims are paid quickly. Very caring when losing a pet. I found less expensive companies but they don't compare to Embrace. I was shocked that they even paid euthanasia costs for my last pet lady

Spoke english so I could completely understand what I was signing up for. This has become a big problem in today's world. Pleasant and completely informed on all questions I had. Has a dog and knows how us parents feel.

I really appreciate that Embrace values prompt action in reviewing and reimbursing me for the emergency that I faced with my dog. Also, I was able to redirect my payment method to direct deposit, which really helped out a great deal. Thank you.

On June 23, 2022, Qwinton, my boy poodle broke his front right leg and needed surgery. My dog's Vet examined Qwinton, called Uptown Animal Hospital and was told to bring Qwinton to the hospital as soon as possible. The surgery was done; bills sent to Embrace Pet Insurance. After the bills were reviewed by Embrace Pet Insurance, in less than a week I received checks to cover their portion of the bills. I am very pleased to have join Embrace Pet Insurance for my two miniature poodles.

Highly recommend this pet insurance. It has everything I was looking for and competent caring people who work for them! Tonight when my little Gemmy’s eye suddenly started swelling up I called and was speaking with a vet in minutes, together we made a decision to try ** before I drove an hour to the nearest vet hospital and I’m happy to report it worked. Fast reimbursement, no gimmicks…It’s a great company.

I signed my two dogs up for Embrace Insurance after seeing such great reviews and recommendations. But so far I have had nothing but bad experiences. It has been over two months since my first claim was submitted for one dog and still no response. I call and am given different responses each time. It was put on hold saying they needed information, then they apparently get all information until today. I am now being told they are still missing notes and cannot proceed without them. What’s the point in paying for insurance if there is going to be so many issues trying to use the service. I was trying to be the responsible pet owner and was told insurance is great to have, very disappointed that Embrace has made it so difficult.

I have never been more pleased working with a company until I filed a claim with Embrace. They are very helpful and extremely fast with reimbursement of a claim. In one case I received the reimbursement before the vet hospital had deducted the funds from my account. Their online filing is easy to use and was able to file a claim in no time at all. I would highly recommend this company to anyone looking for pet insurance!

I was very excited to try Embrace beginning in 2020, but my experience hasn't been good. The App and online claim submission is great, fast and easy. However, the premiums and return are horrible. I have 2 dogs, both very young. The cap for wellness is $250, so anything after that is not covered, such as the monthly flea/heart work med, flu shots, and distemper for boarding. Also, one of my dogs had to get surgery for a possible foxtail in his nose. That was an $800+ bill, plus the meds. Embrace reimbursed me $80 for the meds, but all of the reimbursement for the surgery went to the $750 deductible. I also pay for the dental coverage, and in my plan it states that I have up to 2k for coverage per dog. My dogs recently had dental cleanings, but because the cleanings "fall under wellness," it was not covered under dental. So, with this insurance company you pay a lot out of pocket, and get barely anything back.

I have had nothing but positive interactions with this company. Customer service is friendly and caring, wait times are not long, claims are easy to process, and there are never hidden costs and fees. Everything is transparent from start to finish. I’ve been recommending friends and family to this service because they truly care about your pet’s wellness and longevity. I’m sure many pets have passed too soon or suffered unnecessarily due to lack of insurance coverage in the past. It’s such a relief that this service exists.

Embrace was amazing. We went through the nightmare of having to take our dog to the ER and ultimately having to put her down. Through all the heartache we were going through Embrace quickly reviewed our claim and issued a check in less than a week. They even sent us a kind message in memory of our dog. I couldn’t recommend Embrace enough!

I think I have to select that the review was "resolved" in order for it to go live. The company acknowledged that their initial payment takes a long time and did not acknowledge that their process could be improved upon even after I wrote a private response to them explaining the challenges I faced during this time period. They did eventually pay out, but if I hadn't been able to front many thousands of dollars for several months I'm not sure what would have happened to my dog. I appreciate that they did not try to avoid paying me the amount agreed upon in the plan, but I will never forget the several month waiting period not knowing what was going to happen to my family financially at a time when my job is in jeopardy.

I was nervous about investing in pet insurance, but decided to use Embrace since it is affiliated with USAA. Our dog recently had a procedure with some follow-on complications that led to my first claim. The online claims process and follow-up was so easy and seamless. I am very happy with this coverage and will highly recommend to others I know with pets. Thank you for making this piece of a stressful situation so much easier.

I joined Embrace several years after we adopted our furbaby! Turned in all the paperwork that they requested and called their customer service to make sure Everything was good to go. We were told we were good but would have to wait 6 month because they stated our Ortho report wasn’t filled out correctly! Two years later, we finally put in a claim of $270 because dog developed allergies! After we placed our claim we had to resubmit our dog's vet records for two years only to be declined because they stated that we didn’t turn in all of our information!

I found out about Embrace pet insurance from a training club member who worked for them and raved about it. I had just gotten a Doberman and knew they were prone to many issues, plus my pup liked to swallow rocks, so I felt it was a necessary investment. The price was good as was the coverage. But in three years, the cost for her has doubled even though I've never put in a claim and I have another Doberman that was added a couple of years ago. That is just too much of an increase with no indication of any health issues. Plus I have done most of the usual health tests for the breed: OFA excellent hips, perfect echo, perfect holter. There is no consideration given for that. So I'll about to switch.

A truly supportive company there to support my pet's needs when we needed them most. Their support team is always kind and helpful, and their claims adjusters are quite reasonable in their approach. Thank you to the Embrace team for all of your support!

I do appreciate the quick turn around and the improved mobile app. But my god, the rates go up every year and my dog is not a sick dog, she’s only 6! I’m considering changing companies, it’s just not affordable anymore, hopefully she lives 10 more years… It will cost as much as my l monthly car payment by then.

This service is very professional and very transparent with excellent web and agent support. Their responsiveness is truly distinctive and they are consistent with USAA's history as a solid organization. We also find the agent's very friendly and polite. We also like how their website profiles potential diagnostic conditions.