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BestMoney.com
Embrace Review
Reviews 1,596
Embrace
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Embrace
Embrace
Great
Reviews 1,596
Bestmoney Staff
Dec. 30, 2020
1 min read
BestMoney Staff
Embrace summary
Embrace offers A+ customer satisfaction with full coverage for accidents, illnesses, and hereditary conditions. The plans are customized for you, and Embrace donates money from each new policy towards animal charities.
Pros
  • Congenital condition coverage
  • $50 off your deductible for each reimbursement-free year
Cons
  • Some exclusions are quite broad
  • Wellness is extra

Embrace at a glance

4.6
Editorial score

Online experience

Just cats and dogs
5.0

Customizable rates and services

Customizable plans and rates, upper age limitCustomizable plans and rates, upper age limit
4.0

Claims payout waiting period

Days
4.0

Customer support

24/7 communication and a pet hotline available
5.0

Bundles

Multi-pet and multi-policy bundles available
5.0

Embrace Embrace Visit Site

Highlights

  • 24/7 customer service
  • One comprehensive plan
  • $2 of each new policy goes to an animal charity
  • Discounts if you pay a year’s worth of insurance up front

What’s Covered?

Embrace has one standard plan, which covers both accident and illness. You can customize the plan to your liking by selecting your preferred annual deductible, reimbursement percentage and annual maximum payout.

Coverage is extremely wide-ranging. Aside from diagnostic procedures, surgery and hospitalization, it also includes rehabilitation. You'll also get full coverage for congenital conditions, a unique service for the pet insurance industry. Embrace has coverage for pets at risk of problems due to breed-specific traits and as long as your pet hasn't shown symptoms or been diagnosed with a condition.

Limits and Deductibles 

Embrace’s pet insurance policy has an annual deductible, a choice of $200, $300, $500, $750 and $1000.

Payouts are a percentage of your total bill - 70%, 80% or 90%, depending on your choice - but are subject to a maximum annual limit. The maximum annual limit is also customizable. The lowest annual limit is $5,000 whilst the highest annual limit is $30,000 in most states, and unlimited annual maximums are available in most states via phone enrollment.

Value for Money 

Given the extent of cover you get, Embrace is surprisingly affordable. 

You can also benefit from various discounts. You get $50 off your deductible for each year you don’t make claims. There are also additional discounts to be had if you pay a year’s worth of insurance up front, if you’re a veteran you receive a 5% military discount, and you get 10% off if you insure more than one pet. If you live in NY, and pay annual, you save $12 on the monthly billing fee.

Age Limits 

Embrace does not insure pets older than 14, however pets older than 14 are still eligible for coverage via the accident-only policy.

Given that the average lifespan of dogs is 13, while cats live about 15 years, this is a more than reasonable cutoff period. In any case, coverage is locked in for the lifespan of your pet. Unless you let your policy lapse, your pet is covered for life.

The Fine Print: What’s Not Covered? 

Embrace won’t cover pre-existing conditions, anything related to pregnancy and injury or illness caused by abuse or neglect. The latter exclusion is quite broad, and could extend to accident or injury in circumstances that are out of your control. 

Certain conditions will no longer be classified as pre-existing if they don’t recur for 12 months after your pet is insured. Unfortunately, however, certain conditions are considered incurable and will be considered pre-existing for the whole length of the policy. It seems that even ligament tears to a previously unaffected limb would be considered pre-existing.

Embrace coverage has been updated so that only the type of cancer the pet was previously diagnosed with is excluded, however other types of cancer can be covered.

Conclusion

Embrace has a comprehensive offering at affordable rates. Embrace has full coverage for congenital conditions and a diminishing deductible which makes them cost-effective.

Wellness are only available as additional extras, which means you’ll have to pay for them separately.

Embrace Embrace Visit Site

BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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See what some costumers are saying about Embrace
Embrace
Great
Reviews 1,596
on
Excellent
75%
Great
4%
Average
3%
Poor
3%
Bad
15%
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rm
2 hours ago
This is my first time to used embrace
This is my first time to used embrace , i will still give a 5star to it. We believe, we have the best one🙂
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f adler (phantom)
8 hours ago
Very easy to file a claim.
Very easy to file a claim.
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linda coppola
13 hours ago
Easy claim submission.
Easy claim submission.
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jennifer waugh
15 hours ago
Super easy and straightforward claims process
It was very easy and straightforward to submit a claim with Embrace!
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héctor font
18 hours ago
Quick and easy submission process
Quick and easy submission process
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deb dibiase
a day ago
Easy to file a claim
Easy to file a claim - user friendly website
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shayla
a day ago
Unhelpful and Messy Insurance
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. Last week I reached out to the Embrace claim team asking for an update on why it was taking so long to get past the 'pending medical history' stage on my claims. The lady told me that they had still not received the records from one of the vets. I don't know why I was not informed beforehand that they had still not received them, as quite some time had past by then, but I reached out to the vet that day and made sure that the records were sent. The claims lady confirmed that she got them and ensured that she would have the adjuster expedite my claims. She said that they should be done by Friday night, if not that evening. They were not done until today. After having to wait for over a month to get a resolution, I've been told today that Embrace will not cover the expenses I paid for my cat's pleural effusion (fluid in the chest) because it is being considered as a pre-existing condition - the only thing they'll cover is the euthanasia and cremation. The reasoning I was given was that the emergency vet noted he had a heart murmur back in September, which was before I started the policy and the vet that I took him to last month was never able to determine the cause of my cat's fluid. I am extremely displeased with Embrace. Not only was I made to wait twice as long as advertised to get my claims resolved (and they did not even reach out to me to let me know what was causing the delay), but Embrace decided to not cover a condition that did not have a determined cause just because a heart murmur was noted a few months ago. Per what I was told by the vet, the cause could have been at least 3 different things. There is no proof that the heart murmur is related to the fluid. Not only has Embrace not been helpful, but they've also made my financial situation even worse than if I had just handled the expenses on my own. I have already started the process of appealing this decision and am requesting the cancellation of my policy. I do not want to waste my time and money on this company any longer.
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lisa matis
a day ago
Last claim was refused I’m appealing it…
Last claim was refused I’m appealing it I went through this last time that my puppy was never aggressive explained it was hormones and at 8 months old he was neutered has been fine since then we dealing with a medication stated for anxiety that was dealing when my pup found a family member in a pool of blood and alerted all cameras He is fine with no anxiety explained it’s a temporary situation and with medication was given to him Now it’s being appealed for the claim on 12/2/2022 Aggression never existed as I had argument was on 11/20/20 was only5 months old he’s a lab mix And a mush Otherwise never had a problem And I’m truly otherwise very satisfied Thank you Lisa matis
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benedicto cabusao
2 days ago
Stay away from this insurance because…
Stay away from this insurance because they are the worst.Claim submitted in November 2022 still pending because they keep asking for the same records over & over for serval times. Be careful with this insurance charging thousands of dollars with your credit cards.They use preexisting condition to deny almost every claim. You will be stuck paying this bill for years to come. We got sick of their misleadingly confusing reason to deny almost all claims that we canceled then a week after our dog got sick & bills closed to $8K so they dodged another claim to deny to pay. We tried to give it another chance thinking maybe some will get covered. In the almost 2 years I’ve been with this insurance they never paid any of my claims. We took our dog 2 months ago to the ER & submitted the claim $3k & took 2 months as usual it’s denied. They take 2 months to review claim even through all the records are all provided only to deny.
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margo mclaughlin
2 days ago
Embrace is top notch!
Embrace is top notch! Customer service is responsive, efficient and kind. Four paws up!
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a hughes
2 days ago
This process remains to be one of the…
This process remains to be one of the easiest and smoothest online claims transactions that I get to experience.
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nathalie carisey
2 days ago
Super easy to use
Super easy to use. Very responsive
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charles caparas
2 days ago
Claims Process
Easy to file claim and quick response.
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angela grant
3 days ago
No help and no payment on dogs care.
No help and no payment on dogs care.
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stephen garibaldi
3 days ago
Great Insurance
Simple to us. Great coverage. All around good experience.
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carol
3 days ago
Easy to use
Easy to use. Process is clear and concise
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mark robbins
3 days ago
I wish human health-care insurers were like this
I've been very impressed by the ease, simplicity and efficiency of claim processing with Embrace. They want to be helpful and supportive, and it is deeply appreciated. I wish human health care insurers could be so customer-oriented. I am HAPPY to interact with Embrace. Would I ever say that about one of my human health-carer insurers?
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cc l
3 days ago
Way too complicated
Way too complicated. Asking too many documents even we provide receipts and my Vet had to send 3x for them to acknowledge received of documentation. Taking about 1 month to get reimbursed back. What a headache claim plus when I called, customer service department was not very friendly.
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lynn b
4 days ago
Submitting claims is easy
Submitting claims initially is easy. It's not always easy to get additional records from vets, but once a condition has been accepted things go pretty smoothly.
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marion stecklow
4 days ago
EASY!!
Submitting a claim is quick, easy and efficient!
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carrie radivoyevitch
5 days ago
Easy and fast to submit my claim.
Easy and fast to submit my claim.
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linda coppola
5 days ago
Easy claims procedure.
Easy claims procedure.
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sierra c
5 days ago
Easy to use/submit a claim
Easy to use/submit a claim
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heidi
5 days ago
Poor customer service to a potential client
I called and spoke to a rep with some questions for insurance. After the call I got a generic email with his email address and request to contact him with further questions. I emailed him (Joseph) with more question and he NEVER responded. I also called back and spoke with another person who was not able to answer my question so the girl said she’d email some more info to me which she NEVER did. Further, I got a customer service survey which I completed as having a very negative experience with both situations and again no response. Doesn’t give me a lot of confidence!!
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tim m
5 days ago
fabulous service
The ease of submitting a claim online was second to none.
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tiffany b
5 days ago
Embrace canceled my policy easily and…
Embrace canceled my policy easily and refunded me a portion of my premium when my pet passed away. It was a comfort because not only did my best friend die, but I had expenses connected with his end of life care. I will definitely come back when I get a new dog.
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taffy
5 days ago
Simple & Fast Claim Processing
Embrace Pet Insurance has always made getting my claims processed very easy. Way easier than dealing with human insurance companies!
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norma licea
6 days ago
Great website and user friendly
Great website and user friendly, claims are processed in a timely manner :)
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david smith
6 days ago
Submitting claims are easy
Wow, the website is very easy to submit a claim!
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jacqueline gonzalez
7 days ago
My last claim was not covered
My last claim was not covered
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dina toland
7 days ago
I haven't gotten any claims reviewed…
I haven't gotten any claims reviewed yet but I have to say that the claim submission experience couldn't be easier. Human health insurance should follow this example!
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erica tjonajong
7 days ago
Find Someone Else if you care about your pets
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 seperate 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.
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kenneth
7 days ago
So easy!
Fast and easy
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sandra wilbur
8 days ago
Our experience with Embrace Insurance…
Our experience with Embrace Insurance has been very positive. Our dog had one emergency surgery and two other covered surgeries, and they paid the amount stated in the policy. We felt very lucky to have gotten insurance when our almost seven year-old Doberman was very young. The only reason they did not get five stars is that they do raise the premium every year depending on the dog type and age. However, we feel this is fair.
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kristin
9 days ago
Compassionate, Responsive, Easy to Work With
This company has been wonderful! They are easy to work with- emails are answered quickly and thoroughly, claims are paid very promptly, submitting a claim online is super easy. They were so compassionate when one of my dogs passed away and if I hadn't already spent all his allocated wellness costs, they would have covered part of his after care. I can't say enough great things about them
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christine khan
9 days ago
Embrace is great
Embrace is very convenient to complete a claim and their response time is phenomenal! Thanks!
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john o
9 days ago
Lousy customer service experience
Submitted a claim on 1/10. Received a message on 1/17 on the app that they reviewed my claim and that they requested medical info from Vet. I checked with vet on 1/20 and they had not received anything from Embrace. I sent email to Embrace on 1/24 asking when they sent it. On 1/28 I got a note saying they were going to have to request the info. I called Cust service on 1/30 and they said they didn’t send email request until 1/28 and it could take 30 days from receiving info from vet to settle the claim. I called vet on 1/30 and they still had not received the request from Embrace. The vet was going to call them. I’m very dissatisfied with what was a lousy customer service experience! We’ll see how long it actually takes to settle the claim! I expected much better!!
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margaret hockaday
9 days ago
Best customer service
The representative was patient and quite helpful.
A
anthony silva
9 days ago
Nice an easy transaction
Nice an easy transaction. App works great and time to process seemed reasonable. Cheers
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stacy elgee
10 days ago
Easy to submit claim
Easy to submit claim
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princess
10 days ago
Embrace pet insurance affordable and is…
Embrace pet insurance affordable and is the best for my pet and the reimbursements are fast . I would highly recommend them for your pet needs .
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devon
10 days ago
Well constructed input screens
Well constructed input screens, helpful prompts and sufficient opportunity to review before submitting.
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melissa mcneil
11 days ago
This insurance is so easy to use
This insurance is so easy to use! File your claim online and wait a fair amount of time for your answers.
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jazmin gibbons
11 days ago
I’ve had pet insurance in the past and…
I’ve had pet insurance in the past and the claims part is such a pain, but this time, it was easy and got my check refund in a few days. Would highly recommend.
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lavenia hughto
12 days ago
Very easy to fill out claim
Very easy to fill out claim. I can review more after claim is reviewed and paid…
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jeanne brantley
12 days ago
FABULOUS! BEST EVER!
Fabulous! I had pet insurance elsewhere and it was bad! Embrace is amazing! I cannot express properly just how amazing! I had to put my dog down, and I filed a claim for his last ER visit. Embrace saw on the records I sent in that there were visits I did not file claims on, they sent me checks for those as well. They also sent a sympathy card that you soak in water and then you plant it in remembrance of your pet a flower/plant grows. Very kind!
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paula
12 days ago
I purchased this insurance over two…
I purchased this insurance over two years ago. Last month was the first time I used the insurance because my cat was vomiting. The Vet send her home with medication ,she thought it was a simple stomach flu. I send all the receipts to Embrace and the doctor notes I received. It took over a month for me to receive a response from them because I follow up to see the status of my claim . I finally receive an email from an adjuster/ claimer reviewer saying that basically they were denying the claim because is vomiting is a “pre-existing condition” since they look at the doctor notes before I purchase the policy it was a record she vomited a year prior from me buying the policy. “Since when vomiting is a pre-, existing condition instead of a symptom. “They were only going to give me back around $150 because my deductible is 100 and they denied my claim so I canceled them think it’s insane !! so what is the point of having an insurance if they can’t cover something so simple ??. So basically your cat can only vomit once otherwise is a problem. I will not recommend this insurance company to no one, what a rip off.
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todd g
12 days ago
Very easy user interface & company is…
Very easy user interface & company is easy to work with. The downside with any pet insurance is that they don't cover a whole lot, but this is not Embrace's fault, it's the industry's.
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ben perez
13 days ago
Easy peasy!
Easy peasy!! No complicated forms, just upload an invoice and submit. Couldn't ask for an easier claims process. Thank you Embrace!
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brian noell
13 days ago
Very easy to submit a claim
Very easy to submit a claim
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diana maberry
13 days ago
She understood my concern and was going…
She understood my concern and was going to follow up with an adjuster.
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joshua
13 days ago
I love Embrace
I love Embrace! They are quick to review and pay claims. The team is also very attentive and takes questions/concerns seriously. They definitely care about pets and provide excellent coverage.
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mary badame
13 days ago
Always a great experience when dealing…
Always a great experience when dealing with embrace!! Fair and balanced. Sometimes they need extra questioning or explanations but as long as it's honest they check with vet and approve. Been with them since 2019 I have 3 dogs on my policy!!! Reasonable prices also
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ronald szwec
13 days ago
EASY TO SUBMIT A CLAIM
EASY TO SUBMIT A CLAIM
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georgette mendez
13 days ago
I’ve had embrace for 13 years now
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. The policy goes up in cost every year, and for my 13 year old dog, I was paying $105 a month so that is something you need to keep in mind as well. Yes, I will totally recommend embrace, and I still have them for one of my dog. The process is pretty quick. If you have the app you just download your documents and then you have a few days to a week to wait on your reimbursement. Reimbursement is made via check or direct deposit in your account. Thank you Embrace for being there when I unfortunately needed you!
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consumer
13 days ago
Easy to submit claim forms
Easy to submit claim forms
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antonio batres
14 days ago
Efficiency
The claim submission for Embrace is quick and easy and you get your reimbursement in a timely manner.
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sandy brandt
14 days ago
You process claims fast
Great Insurance for dogs
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brian forn
14 days ago
Easy to file a claim
Easy to file a claim! Quick payment.
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lorianne hamoline
14 days ago
Easy to use website
Easy to use website. Simple to submit claims. Great coverage and prompt refunds.
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jim sims
14 days ago
I have had Embrace for our last 2 dogs…
I have had Embrace for our last 2 dogs and have never had a problem with reimbursement. They are always on top of things and very friendly if I have to call.
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david golden
15 days ago
Our cat had swallowed a needle and thread
Our cat had swallowed a needle and thread that had to be removed by endoscopy on New Years day. We ended up paying over $4700. They did a great job and our cat is back to normal. We submitted our claim to Embrace and within two two weeks received our money with no hassle. I was pleasantly surprised that they made it so easy. Highly recommend Embrace.
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chelle copley
15 days ago
This is my 2nd claim to file with…
This is my 2nd claim to file with Embrace and it was super easy to complete the process. The coverage is affordable and I sleep a lot easier knowing we have this coverage.
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theresa gibson
15 days ago
Company hesitates to pay claims
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.
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stefanie williams
15 days ago
Easy claim filing
Easy claim filing
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mark willis
15 days ago
I would have given them 5 stars
I would have given them 5 stars, but they play the same game that human insurance plays with pre-existing conditions. Their wellness insurance is excellent! It reimburses you for all of those expensive vaccinations, rabies, etc... The regular pet insurance is good. I just got a check for $495 for an emergency vet visit. The total was over $1000.00 but pet insurance doesn't usually pay for emergency visits. Claims are very easy to file.
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wands schwerer
16 days ago
I like that finding my claim status on…
I like that finding my claim status on the website is very easy. I also like that your processing time is relatively fast and that I am kept informed.
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jenny
16 days ago
Took my dog to the emergency vet
Took my dog to the emergency Veternarian. Submitted my claim. Received compensation right to my bank account. I had already met my deductible. Easy to use.(Easy to submit claims). Staff is extremely helpful and compassionate. Thank You! Glad I found Embrace.
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kari walawender
16 days ago
Embrace has been easy and very quick to…
Embrace has been easy and very quick to get paid for my dogs claims! Three separate claims and got paid the next day or within a few days!
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sue
17 days ago
I have had this insurance for a few…
I have had this insurance for a few years now. It is easy to submit the information on line, and the company is excellent on updating you on receiving and processing the claims. They pay the claims in a timely matter, and they let you know if they need more information. ( They have only need more information one time in my 3 years of being with them.) I highly recommend this company. I would not have been able to afford to treat or diagnose what is wrong with my 15 year old kitty, without it!
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jan helwig
17 days ago
Beware, it is totally not worth it.
I got every excuse known as to what they needed to insure my dog. They accept the payment but that is when the endless emails about past vets visits started. They should have asked all this prior to accept my $600.00+
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kerry m
18 days ago
Easy and Quick!!
My pup got injured and this was the first time I filed a claim. It was so easy! The website was self explanatory and understandable. The decision was also so quick. I had resolution in 2 days.
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lee
18 days ago
indifferent, incompetent adjuster/process
I filed a claim on September 16th of 2022, and finally received a meaningful response yesterday, January 19th 2023, but only after I cancelled my policies with Embrace. Despite my sending a number of emails explaining the situation, the adjuster at Embrace failed utterly to respond, process or explain what was going on with my claim for five months. The adjuster also was unable to acquire the records from my current vet, despite my being able to get them via email within an hour of requesting them. I see absolutely no point in having insurance for a dog if the company either fails to process the claim in a timely fashion, keep the customer informed of what is going on and acts proactively to keep the ball rolling. None of this happened.
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richard rose
18 days ago
Ease of use of website
Ease of use of website
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johnq
18 days ago
Have always had great response time and…
Have always had great response time and service from Embrace. Have recommended them often.
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michael sullivan
19 days ago
Customer service helpful and quick claim
Customer service helpful and knowledgeable. Very fast reimbursement. Approx 1 week from time of claim.
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casey kessler
19 days ago
Embrace has given us peace of mind…
Embrace has given us a peace of mind for the last 9 years. Last year when out dog had to have surgery, Embrace really came through for us. They covered more of the costs than we had even anticipated, made submitting claims a breeze and were always so pleasant the few times I called them. I would highly recommend this company.
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stacey ferreri
19 days ago
They have really been quick and easy as…
They have really been quick and easy as of the present. In the past have had some issues, but lately they've been on it!!
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josue perez
19 days ago
It was very easy and simple to submit…
It was very easy and simple to submit the claim online and I love the whole app experience as well.
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diane brijlal
19 days ago
It’s my first time
It’s my first time, but I am enjoying it
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anonymous
19 days ago
Easy to complete and navigate.
Easy to complete and navigate.
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mrs. k
19 days ago
Outstanding service
Outstanding service! Fast and efficient claim submittal. Quick reimbursement.
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anastasiya viarouka
19 days ago
I am not sure what I would do without…
I am not sure what I would do without this insurance for my little mixed frenchie! They are the best!
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nicole allard
19 days ago
This was my first claim
This was my first claim, and I was dreading it - and putting it off. But, the process was so easy. It took less than ten minutes, and all of the follow up with the vet was coordinated by Embrace. It was filed, reviewed, and paid within a week! I will definitely be recommending Embrace to other pet owners.
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delores nieboer
19 days ago
I am happy with Embrace!
I am happy with Embrace though these would be fair changes to see in future. Faster turn around for reimbursement. Direct payment of promised coverage from Embrace to Vet on the day of appointment would be the best case scenario. Sometimes for surgery, x ray , etc it’s too costly up front for pet owners.
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alicia oneill
20 days ago
Every person I have interacted with has…
Every person I have interacted with has been so informational and so supportive. 10/10 recommend Embrace!
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olchik
20 days ago
Nothing but the good to say
Nothing but the good to say. Sign up was easy, prices are good, app works great and claims are being reviewed quickly. Thank you!
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michele in ca
20 days ago
Super easy site to use
Super easy site to use
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flavia g geada
20 days ago
Excellent experience
Excellent experience! Have recommended a friend once I saw the great benefits Embrace has to offer.
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koi sojer
20 days ago
I Love that they take care of the…
I Love that they take care of the reimbursement for my Vet bills.
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tina chen
20 days ago
good service items
good service items
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judy yoon
21 days ago
Great customer service and claim process
I have Embrace for all 4 of my pets. Prior to Embrace, we were with a different company but decided to make the switch after doing more research. My recent claim for a my dog's MRI turnaround time was 4 business days which was totally unexpected. It was such a huge sigh of 1relief because of how costly the procedure was. Overall, I love Embrace because of their customer service and ease of submitting a claim which can be done on the app or website. Claims are processed and reimbursed within few business days. I took a star off because they can make some improvements on their app and website. The app crashes all the time and their website tends to either lag or hang..
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astrid
21 days ago
Customer Service *Thumbs up*
Customer service at Embrace is the best. Everybody is always really attentive and ready to help. Submitting the claim was also a really easy and seamless process.
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vickie
22 days ago
Directions easy to follow
Directions easy to follow. Very easy to do on smartphone
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karen a williams
22 days ago
Quick review of my claim
Quick review of my claim. You’ve made getting my check even easier by linking my checking account.
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henry
22 days ago
Canceled due to high rates
I have never had a problem with embrace pets cause I never had to put in a claim but I just recently canceled my policy cause they keep raising my rates. last year 2022 they raised it and I got it lowered by raising my deducible and now this year they jump my rates up by 40.00 dollars higher per month. Was with them for 7 years never a claim filed and now no longer afford them
B
bella's mom
23 days ago
Excellent customer service
Excellent customer service! Quick response to my questions
D
danielle oliver
23 days ago
Always fast to settle our claims
Always fast to settle our claims, never had any issues or problems. Would definitely recommend.
R
rhea bianco
24 days ago
Terrible experience with processing…
Terrible experience with processing claims. Everything is a pre-existing condition and delayed delayed delayed. I feel they are reaching in order to not to pay out! They claim they’re unable to retrieve medical history, but in this day and age, I find that laughable. They are reaching in order not to pay I will not be renewing my pet policy, nor do I trust this company. My experience is very similar to someone else that reviewed in January 2023, as well
F
frank fiorenza
24 days ago
Terrible worst then car insurance scams
Terrible worst then car insurance scams I dropped allstate because they recommended them $1200 claim they offered $60 They claim diarrhea was a pre existing condition