Embrace Review

Finnegan has been covered by Embrace for over 12 months...and (possibly) as with any puppy, has had some claims...including ear infections/hot spots/and a bout with pneumonia. While somewhat common(?), he has kept the vet busy...and embrace has reviewed and processed the claims promptly and completely. I would recommend the insurance based on our experience.

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When my cane corso became ill, I hoped that his insurance would cover his health care expenses. Embrace was quick, efficient and decisive! The reimbursement process was fair and painless! Excellent customer service!

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Our Maincoone was diagnosed with cancer. She was tested, hospitalized in intensive care oncology, treated and in the end passed away because she was too sick. Embrace paid her bills per our policy almost daily as I submitted the bills making it possible for us to continue to try to save our cat. If I could say 1 word about Embrace it would be COMPASSIONATE! They were there with us every day financially and supporting us as we did all we could to save Pepper. We have 2 other cats covered and the peace of mind is immeasurable! Thankful they are in our pet care corner.

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Extremely disappointed. I gave Embrace a chance because on paper they seem great; low monthly payments, coverage for emergency and up to 90% reimbursement. However this was not my experience. When my cat first came home from the shelter, she had an upper respiratory infection which I had to pay out of pocket understandably to treat. 7 months later she had another one totally unrelated to the first and after I spoke with someone regarding my concern they assured me I would be covered. $1500 later, Embrace refuses to reimburse me a dollar because they claim her upper respiratory infection as a preexisting condition. I was concerned getting an older cat because I had a feeling insurance companies would be jerking me around like this, but I gave Embrace a chance only to be let down. Make sure you talk to representatives and do your research prior

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Filled out form online and received a response within days (it was a week-end). Next thing I knew, a check was in the mail. Very fair and pleased with Embrace.

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Darcy was/is very knowledgeable about the insurance and the plans available. She was helpful as she personally has Embrace for her pets so she had relatable experiences.

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Your insurance is awesome. It really gives me peace of mind having it. I just turned in a claim and received the check less than 10 days. I recommend a friend for your insurance and she did get it. Thank you

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We just had our first claim and it was so easy and quick. It was approved in a day and got the check a few days later.

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one claim reimbursement check did not clear the bank and caused a returned check fee of $7.00 which they refused to reimburse me another claim was $47.00 and i have been waiting 2 months and still not received customer service has really gone down hill over the past year i ended up cancelling my policy

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Your in good hands with pet embrace they USAA they pay claims fast within 24-48 hours it gets directly deposited to my checking account and so much more reliable. I am so satisfied and happy I switch to this pet insurance for my 2 cats, Tabby and Opal.

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Still sucks. Took the money I paid for the policy ( In full) and put the claim money toward my ( deductible). This policy has been such a waste of money. By the way, I was paid out just a bit over $100 on a $700 claim because they deemed most of it a " prior condition". I will never again. And they have been told I do not want to renew so they don't automatically charge me then only give me some of my money back like they di one customer.

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We just Registered our new dog and has no issues. We needed help to load the document online but it was very easy on the app. Customer support was great.

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They automatically renew without contacting you, they take your money without your consent, and they won't give you a full refund. Don't do it!

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They paid the claims in a timely manner over the course of my first year with them. However, when it came time to renew for year two, they raised my premium for my two dogs by over $40 a month which increased my annual premium by about $480! In my view, it appears that the initial year's lower rate was a ploy to get me to sign up with them. When I complained about such a large increase, I received a condescending email from them saying they "understand it (premium rate increases) can be frustrating" and that I could buy less coverage if I wanted a lower premium. They also blamed the rate on many factors, including inflation, policy changes and the underwriter (American Modern Insurance Group) who determines the base rate. Too bad they have no say in what they charge, huh? To me, it's a bait (lower initial rate)_ and switch (2nd year large rate increase).

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Lovely customer service and attention to detail

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For the first time I submitted some claims for my dog's medical expenses. The online submission was easy and within 10 days I received payments for my claims.

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I’ve been paying for pet insurance for 5 years and never thought it would pay off. Recently my dog got extremely sick and we spent $4000. I’m so thankful we got quite a bit of that back. Thank you!

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Hunter tore his CCL/ACL and had a repair with tibial osteotomy. Price $7000! Embrace covered at my 80% coverage policy rate after deductible was met. Had an EFT of $5600 in 4 days! Yes they wanted the invoice . I uploaded it on the app .

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Embrace pet insurance was there for me in my darkest hour and lifted one of the great burdens off my chest. Thank you.

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Got my claims handled expeditiously, thank you Embrace!

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The process was easy and the agents were honest.

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I took my 1 year old Labrador retriever to the vet for a urinary tract infection. During the exam our vet happened to examine her ears and noticed that she also had an ear infection which the vet explained was most likely due to her swimming. I submitted the claim from that visit and Embrace denied the costs associated with the ear infection with the excuse that because our dog had at a wellness visit been noted to have a tiny bald spot on top of her head (which the vet at the time said was most likely due to trauma from brushing into something) The diagnosis of alopecia was put into her record. Embrace now says that she had a preexisting dermatology condition so the ear infection is not covered! There is no connection between her transient bald spot that totally went away and never came back and an ear infection acquired from swimming! In addition, they categorized the antibiotics for the UTI as a “wellness” expense and said we had used up our wellness benefits so did not cover the antibiotic. This is an insurance company looking for any excuse not to pay. We have met our $750 deductible in addition to paying $650 in premiums. I will not be renewing this contract if that is how this company operates!

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My experiences with Embrace have always been great, and this past time was no different. Embrace makes it easy to submit a claim through the app by simply taking a picture of the vet paperwork and uploading it. The response time is fast, and reimbursement occurs in a timely manner as well.

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After our first claim, things have gone smoothly and quickly. I've been able to upload our invoices from our recent emergency visits and just submit without having to do anything further. It is a relief to be at the vet and know that I can do what is needed in the moment with the insurance to back me up.

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Most recently our 14 year old yorkie became gravely ill very quickly. She was hospitalized and as any pet parent knows in that moment cost does not matter. When the illness was remedied we were left with a sizeable bill. Thank you Embrace as you not only covered the majority of the cost but did so quickly Our baby is now on the road to recovery and thanks to Embrace we can watch her recover and not spend all our time worrying about the expense

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Easy to get ahold of on the phone a d customer service agents are friendly and knowledgeable! I can't believe they cover training and grooming in their wellness package!!! LOVE THEM!!!!

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Appalling! I have a one and half year old Newfoundland who needed chiropractic care. He had two treatments over two months and the vet advised to continue once a month for a while. I submitted two claims which went against my deductible. The third claim was denied as Embrace have a limit of 12 weeks of chiropractic care for the LIFETIME of the dog. So not 12 treatments. Not 12 weeks of treatment - but a 12 weeks time period. So I could have done a treatment every day for 12 weeks and claimed every day - but because he didn’t need that - I chose two treatments over 10 weeks. My third treatment fell outside of the 12 weeks window so now he is not eligible for any chiropractic treatment for the REMAINDER OF HIS LIFE. This is absolute insanity and just such a rip off! Additionally it could potentially save embrace thousands of dollar if I choose later to do X-rays or MRI as the issues are not resolved. Shame on you Embrace for ripping off your customers again! UPDATE TO YOUR RESPONSE I just read your response dated 13 minutes ago. This doesn’t tell me anything! It’s also mid leading when you say per covered condition! Condition is the problem as far as I’m concerned. So assuming he has a different issue that needs chiropractic treatment - different from his first condition! He is still NOT COVERED. Your policy is misleading as it should clearly state you only cover treatment for 12 consecutive weeks for the LIFETIME OF THE DOG!!! So if he hurts himself four years later and needs chiropractic care HE IS NOT COVERED! Additionally your “ sales “ team does not understand this either. I called to ask for a new policy. I specifically asked about the 12 weeks and was told “no you can claim as often as you like”. This is how you reel us us in - by lying! Shame on you

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When our puppy broke her leg in June, the vet sent the bill three times and I sent it twice. They are using the last one dated August and still nothing as of 9/14.

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Just st signed up yesterday and I will be dropping it today if I can’t get some satisfaction. I cannot find any specific surgeries that are covered and the associate that took my inquiry stated that she could not tell me which surgeries are cover but that she would inquire and then I was left on hold for far too long and assumed that she would not return. Customer service is ill informed and are vague and evasive. The policy does express everything that will not be covered, but no mention whatsoever of specific surgeries for breed specific genetic problems. Which is the most important to me as I explained when I signed up. I needed comprehensive accident coverage and breed specific surgery coverage, none of which are visible in the policy that I purchased. So disappointed. I’ll do a follow up on this review as soon as I get answers from Embrace.

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ALWAYS feel like Embrace does the best job of all other insurance plans!

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I feel the sales person wasn't forthright when selling me the plan. I am now being denied claims for no reason despite having the proper documentation. When i call they say the person I need to speak with is perpetually out of the office. Until someone can actually help me, this review will stand

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They will find the flimsiest reasons to deny a claim. And when I moved from Ohio to Colorado, they doubled my premium. At this cost and their crap coverage, it's more reasonable to have a savings account for vet expenses. At least this way, I'M earning the interest, as opposed to these crooks taking my money and not covering what I paid for.

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DO NOT get this insurance. They cancelled my insurance without notice and no reason. I found I because I called to ask a question.

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This company is terrible, please don't give them your money. You are better off starting a savings account for emergency pet costs... I signed up 2-3 months ago. Provided all medical history.... well, when I submitted claims for my pup the fun has began... one claim was for a fractured tooth, another one for an emergency vet visit due to allergic reaction. Again, I submitted all records and notes provided by all vet but... that was not enough. They just kept sending me messages requesting more records... which simply didn't exist. So, I found myself in the endless loop of trying to figure out WHAT ELSE CAN I POSSIBLY PROVIDE?!!! I finally gave up (which I guess exactly what this company was trying to do). I ended up canceling my policies. Basically, the way this "insurance" works is you pay and have a piece of mind that you have coverage until you actually need to use it. Then, they will send you on the endless loop of bureaucracy until you give up. I probably could have continued to fight and escalate but life is too short and I don't need this scam company and the negativity the brought my way. Please don't give them your money, they don't give a crap about your pets. Just another greedy fat corporation... ____ Update: Thank you Embrace for your useless canned response! 🤣

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Don't want to need insurance for our furbabies, but when huge estimates are presented by the vets you want Embrace there. No life or death decisions. Just save him.

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As usual, staff very helpful and positive results in a timely manner to resolve the issue.

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I will not be using them again. I signed two dogs up ($1,600) and filed a claim in May. I am still waiting for them to decide whether or not they will honor it. They require you to jump through so many hoops and one of the vets I used one time did not provide the info in the format they require so they just put the claim on hold. I attempted to get the records myself but got the same records they sent to Embrace, which they find unacceptable. The info includes everything but the cost, including notes, so not sure what they want. The cost of the visit has no bearing on my claim. I am not really sure what they are missing so not sure how to help rectify the situation. Because they require all past records without this one visit none of my claims can or will be processed and the other dog I have will be the same way if I were to try and file a claim on him because I have the same type of info on him which they find unacceptable.

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The ease of submitting a claim and the QUICK turn around time for those claims is great. My only complaint is that it seems, when I initially signed up for this insurance, despite thinking I got the same coverage, deductable, and max amount per year, I didn't. I now have 4 pets and none of their amounts are the same. Then I found out that, in order to make adjustments, it would completely restart their waiting period and any claims we submitted would be considered pre-existing conditions. This is very frustrating but I am stuck so I will keep the varying levels and make due. You only have 7 days to make changes!!

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Very professional and knowledgeable representatives. Quick claim response with detailed information.

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I am impressed with how quickly Embrace responds to claims and the thoroughness of its review. The only thing I do not like about the coverage is that if you submit a claim for a injury or illness that was not preexisting issue at the inception of the policy, it subsequently gets added as a non covered item. That's not what happens with health insurance for people.

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My older cat (15) recently was diagnosed with Acute Pancreatitis. Submitting the claims via the app was very fast and easy and after my deductible was met, every claim has been paid without issue. This is a wonderful company. Due to this experience, I recently added my younger cat to the policy. Can't recommend Embrace more highly!!

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great service, and very fast. They handle their business very well and very organized.

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I have been extremely impressed by Embrace. The website is easy to use, forms, plans, and support are very accessible. Submitting claims couldn't be easier, and the response time is exceptional. Glad I purchased insurance through Embrace. I couldn't be happier.

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My do just had knee surgery to the tune of roughly $5330. Embrace was responsive when we were researching to make sure the procedure was going to be covered, and promt with both processing and payment once we submitted the claim.

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Very nice customer service reps and love that everything can be done online. Also love that as a USAA member I get a discount.

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We had a great experience with Embrace. My dog was seen at an emergency clinic after a dog fight and we were reimbursed before the staples were even removed. Thanks Embrace for being prompt!!

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We’ve had embrace for 2 + years and really the only thing they are quick on reimbursement is the wellness that you are actually paying anyway. The rest of any claims is so prolonged and they lag and don’t follow through with Vets as promised. I have 3 dogs with them and I’m pretty much ready to go somewhere else!!!

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My dog ended up very physically sick & lethargic - very unlike him for a dog with endless energy who hasn't been sick the entire 2 years of his life. I had to find an emergency vet that was open & could fit him in on a Sunday. After a hefty vet bill, I was able to easily submit the bill to Embrace, was communicated with directly by an Embrace employee & everything went smoothly & quickly. Embrace has been there for us & we're so grateful!

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Excellent coverage claim process and customer service.

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Employees always very professional.

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Your service was fast and advertised. I received two direct deposits in my bank about two days from filing. Thanks for all your help and my puppy, Jock, is doing very well.

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I have had embrace for 2 years….I recently got another puppy and couldn’t be more satisfied!!! I really appreciate their communication with me and my vet. I highly recommend this by pet insurance.

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I had a claim that had to be reprocessed due to it being processed as illness but should have been wellness. I contacted claims and explained that their wellness visit had been divided into two visits due to cost. I have two female toy poodles and it can be costly, They understood and reprocessed the claims promptly.

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Terrible service, I had to pay 3K for my dog's surgery. 0% of coverage, worst decision ever, I prefer not to have pet insurance no more, no worthy.

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They paid the claims in a timely manner over the course of my first year with them. However, when it came time to renew for year two, they raised my premium for my two dogs by over $40 a month which increased my annual premium by about $480! In my view, it appears that the initial year's lower rate was a ploy to get me to sign up with them. When I complained about such a large increase, I received a condescending email from them saying they "understand it (premium rate increases) can be frustrating" and that I could buy less coverage if I wanted a lower premium. They also blamed the rate on many factors, including inflation, policy changes and the underwriter (underwriter (American Modern Insurance Group) who determines the base rate. Too bad they have no say in what they charge, huh? To me, it's a bait (lower initial rate)_ and switch (2nd year large rate increase).

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I recently had to put my almost 9yr. old Great Dane Cupcake to sleep. He had Embrace Pet Ins. his whole life. While I never had cause to use it the first 2 years of his life after that he developed one problem after another. Embrace was GREAT about paying his bills that ended up being enormous over these last 7 years. Often they were paid within 3 days. Had it not been for Embrace I never would have been able to afford the good medical care that Cupcake required for most of his life. Thank you so much Embrace.

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I'm so pleased with Embrace! They have approved claims faster than expected and the reimbursements arrive in my bank account within 2 days! This has been integral in providing care for my dog. Thank you!

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Embrace made the experience very hassle free and allowed us to focus on our pets health and not having to worry about jumping through a lot of hoops. It is an excellent service.

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The information about the policy was explained in detail. I was able to apply for coverage without completing the online form. I was not rushed and all my questions were answered. The cost seems reasonable for the coverage I choose. I would recommend this Pet Insurance to any of my friends getting a dog.

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I absolutely LOVE Embrace Pet insurance! If I have a simple question, I can just call and usually get a very quick response, with an actual human being!! (No phone tree here!) I have 2 Australian Shepherds and my vet bills can be very high at times. But I never have had to hold back on getting them the treatment that they need because I know that I have an excellent insurance plan with Embrace, and that I will get a certain percentage of that money back. Also, they have updated their site, so now you can submit claims directly online and receive your insurance payment through direct deposit. Easy, peezy!

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Embrace is so good to us, and they make it so easy to file a claim.

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I have not had this insurance long and have not yet had to submit a claim, so I cannot at this time speak to a claim's experience. However, I did request a medical review be done so I could document any pre-existing conditions and Embrace accomplished this in a reasonable amount of time. Also, I called Customer Service once with a question and the lady I spoke with was friendly, courteous and helpful. So, with what I have experienced to date, I would certainly recommend Embrace Pet Insurance.

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I love the timely service I get from Embrace and they always send my claims quickly, I would recommend them to anyone in the world. Their prices are very reasonable in prices.

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The employees at Embrace are always very helpful and answer all of my questions in a timely manner. I wouldn’t trust my pups well being with another insurance company!!

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Complete waste of money and time. Totally ripped me off. Every time we submitted a claim it was rejected for more information. There were more hoops to jump through and more waiting periods. I had zero confidence they would ever pay out a single claim. Canceled and only got a partial refund. RUN from this company. *** Embrace replied below. For background — we spoke to 2 levels of customer service and several emails back and forth and they were neither helpful nor apologetic. Their goal is to find any reason to block, delay and deny claims. They would not give us a full refund and were utterly unhelpful. (2 dogs under my husbands last name).

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We submitted our first claims, and instead of following up with the clinics to gather more information they had to be prompted to actually communicate with the clinics. We were actually going to go to the vetinary clinic ourselves to collect the health records. They told my husband they have an issue with the original paperwork submitted for us to originally get him covered which when they issued the policy and we started paying ironically they had no issue with. We have not been notified of any attempts on their part to reach out to the clinic to obtain information since my husband spoke to them last week. If there is resolution of this issue I'm open to updating my review, as of now I would not recommend this company.

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I used my pet insurance for the first time and it was a very easy process. I kind of wish before they made payment they would have given me the option to add my direct deposit info first so they could have sent to my bank instead of mailing a check. I think it was in the email saying that a check would be sent out that they said I could add my bank info for future reimbursement to be direct deposited. Regardless I’m happy with the coverage for when my cat had an upper respiratory infection. Thanks! Update-they did make my reimbursement via direct deposit and it already hit the account. That is fantastic to have done that even though I added my bank after realizing that they didn’t have it yet. Thanks for exceeding my expectations!

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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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The person I spoke to was very helpful and I appreciate her willingness to assist me. She stated that she will contact my vet clinic to obtain records for my pets to get my insurance going.

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It’s always nice and best to have insurance and coverage. I thought Embrace was more like human insurance. I thought The insurance would cover percentages of the care my pet received. I got this insurance especially that my Maiya is 11 yrs old now. Well, most of her coverage was denied. I will keep it at this time, but I’m not sure if it will be beneficial in the future

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This insurance company is great they take care of you like it should be. Review your clam and get back normally with their results. They always be an ok with us and only made 2 clams in the last 6 years and they were all Legit with the veterinarian reports. IT's great there are people out there that have an insurance that care. Hopefully we just made the second claim of the 6 years we had our little guys and been very lucky with them and they will take care of us .. thank you EMBRACE PET INSURANCE

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Had to take my dog to the emergency vet which is stressful. However putting in a claim and being refunded by Embrace is simple and easy.

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I signed for embrace and soon after my Dog Sasha became very sick. The vet said she had diabetes, Embrace approved my claim, theyve been great and I would recommend them to friends and family

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Over a month to process a claim: the site said certain tasks were started weeks before they even sent the emails they claimed were already sent. Of course, my claim was denied so I am a little bitter but even it my claim was approved, the rate at which this claim took to process and the constant repeat of stock answers which half the time weren’t relevant to my claim at all each time I called has sent me on a shopping spree for another insurance. It would have been much easier to get denied a week in instead of strung along for weeks. Very condescending staff, with that typical “well just look where you signed here accepting X and X” crap you expect from an insurance company. I can’t wait to read the stock answer response that all the other negative reviews garnered. 🙄 Edit - And there’s the stock answer. So when they tell you that they needed to review the records and SOAP notes, that is of course true. What insurance company wouldn’t. That said, when they change the status of your claim to say that happened and they CC the pet owner to every email sent to the care provider, color me a little surprised that the *day of the denial of benefits* is the day the CCd email occurs. I have the emails with the timestamp, Embrace, so say whatever feel good spinned message you’d like. I can’t forge your own emails to make my story the real one. They are what they are and you all definitely dropped the ball in handling my claim. How I wish I could upload a screenshot of that email. 👎🏻

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Update (In response to Embrace's response): How is "vomiting" and "diarrhea" a pre-existing condition? Imagine if when you tried to get the health insurance they said "we see here that you've had ankle pain in the past and you've also vomited and had diarrhea. So anything related to your ankle or that involves vomiting or diarrhea is not covered." That doesn't make sense to anyone but pet insurance companies. Vomiting and diarrhea are symptoms, not conditions. Also, thank you for condescendingly pointing out that all of the information about pre-existing conditions was sent out in the terms and conditions. My point was that you never told me those cases applied to ME! You never said, we found these pre-existing conditions in your dog, just you know those won't be covered for a year. Unbelievable. Their response should tell you everything you need to know about the company. They are fraudulent, do not care or understand dogs or the difference between symptoms and conditions, and they will leave you stranded when you need them most. After a little over a year of solid service from Embrace, I had the dreaded negative experience, everyone, with pet insurance fears when filing a claim. I submitted a claim for one of my dogs who was vomiting and having diarrhea. Easy day, I thought. Just as I was starting to realize that the claim was taking longer than it had in the past, I get CC'd in an email from Embrace to my vet asking for my dog's medical history over the last year. Confused about why that would influence the status of my claim, I call Embrace who then proceeds to tell me that my dog has "pre-existing conditions" on my policy. I ask the Embrace representative which policy document would have those pre-existing conditions listed to which she responded that I don't have access to the document that lists them and that I could online get them sent to me if I had known to ask for it. Complete scam. I had been trying to make myself feel better about paying more for Embrace than every other competitor because I thought when I needed them, they would be there. Turns out they are just as conniving and dishonest as some of the others seem to be. Do yourself a favor and either get a policy somewhere else where you can get more coverage for a lower price.

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Prompt reply great service thank you for helping with Cocos care great company that is fair and caring thank you

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Embrace kept up their end of the contract. I've paid for this for 8 years, and this was my first use. As my dog ages I expect to file more claims. This insurance helps me avoid budgetary spikes.

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I had never gotten pet insurance before, but I decided to with my puppy. Then a few months later she got VERY sick, and we were able to try a treatment that we would never have been able to afford without Embrace! The representatives were kind and quick to respond to my questions, and putting in the claim was very easy on the website. Payment received in about a week! I will always get pet insurance from now on, and I recommend Embrace to everyone with pets!

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Tells me to get medical records for them. After calling the vet and Embrace they finally got the records and it has already been about 2 months since I submitted the claim. Now I am told it can take up to 30 days to review the records. DO YOUR JOB AND GET THE MEDICAL RECORDS YOURSELF!

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Summitting my claim was so easy and processed quickly. They sent me several emails with status and explanation of benefits and my reimbursement came soon after.

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Signed up last year,healthy 2 yr old rescue pup already spayed on yearly heartworm prevention. We "received " a military discount and supposedly received a partner company discount which was combined 20%. One year later at renewal they incredibly raised our premiums 40%. We had zero claims! Also the plan does not allow for well visit coverage. I shopped around and found that their 20% "discount " equaled every other company's regular price. Raising rates 40% in ONE year, AFTER supposed discounts is absurd!!! Cancelled policy will look around for different company.

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This is a great pet insurance I have them for my 2 dog's max and Bailey.I have the wellness and medical I am pretty much covered .wellness covers there shots grooming medicine medical covers all but 20 % how can you beat that. Wonderful customer service pay your bill and with in a week you're getting all your money back minus the 20%in the long run I would say it is truly wee worth having I would highly recommend

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Stupid company. Tells me to get medical records for them. Is this my job? I thought thats what I’m paying for? DO YOUR JOB AND GET THE MEDICAL RECORDS YOURSELF!

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I would recommend Embrace to any loyal pet owner. I called several other pet insurance companies who would not service my cat Fleetwood because of her advanced age. Embrace was the only company who was willing to work with me. Embrace always reimburses me promptly for services rendered from my veterinarian. The staff is helpful and courteous.

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Embrace is great...I submitted 6 claims and received answers on all of them in as little as 3 days. I had Embrace when I had 2 pugs on a policy, but they passed and so when I got my Pekinese 6 months later I went back to Embrace because they were so fast to process a claim, kept me informed and just did a great job.

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Clams have been easy to submit. This our first puppy who has grown up over the past few years an the insurance has helped keep him safe and well so far. Thank for the help.

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Everything was done smoothly. My husky needed a tumor taken out (he’s great) I put my claim in and I didn’t have to wait! I recommend them 5 stars.

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My 6 month old Boxer puppy got into Sago Palm. Being new to a tropical climate, I was unaware of the extreme toxicity to canines. Luckily, he pulled through, but at a high monetary cost. I had only paid two months of premiums, but they paid my claim in about a week. Highly recommended!!

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If you do not purchase the insurance as a puppy, they will find any excuse to call your pet's condition "pre existing" and not cover anything. Submitting claim is easy, but what good is that if they just reject it?!?!

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Very easy and intuitive app, very clear and patient communication, 24 hour communication, quick and efficient claim processing. My only request is to offer higher wellness plans!

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Waste of money canceling would not pay on either claims..Process ridiculous.

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This program has been helpful,not just when there is an immediate medical issue with our loving pets.Embrace provides educational, helpful and preventative- care information for pet owners during the year. . During a medical crisis, issue or concern with our pets,the staff have been helpful.professional and demonstrated a caring attitude. Their responses have been timely. Thank you for your caring service.

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We changed our debit card and forgot to notify Embrace. They were patient and covered us without a lapse.

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Absolutely the best service from an insurance company ever! Claim of almost $9 grand was processed in less than 10 days.

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I went with Embrace for insurance and regret it. In the process of processing my first claim (my dog got a tick-borne illness and vestibular symptoms), Embrace reviewed my dog's history. During that review, Embrace focused on the fact that a year ago I asked the vet about a small bump on my dog's leg. At that time, the vet examined and tested the bump (needle aspirate) and said it was benign. Embrace, however, found this in the record and has declared that my dog has a pre-existing condition and will now not be covered for any future masses or any type of cancer. All this because of a benign cyst in his medical history! When I protested they said the only way to get back my dog's coverage for cancer would be to biopsy the bump to determine cytology--a procedure my dog *does not need*--no vet would say this is medically indicated. And if I don't do that, Embrace will deny him coverage if he ever gets cancer in the future. I'm a longtime USAA member and have always respected and appreciated USAA, so I'm really dismayed that Embrace is doing this sort of thing under USAA's name. At this point I'd like to change insurance plans, but now I'm stuck: Embrace has created a barrier to future coverage for a huge category of illnesses for my pet, and the only way I can get rid of it is through an unnecessary procedure and expensive lab work (lab work Embrace won't cover, despite the fact that they're requiring it). But if I switch insurance companies now, any future recurrence of the vestibular / tick borne illness will be considered a pre-existing condition by the new company. So I'm stuck. But you don't have to be--avoid signing up with Embrace!

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I really appreciate the way Embrace claim representatives handled the claims from their end. I just send them emails about claims and they submitted all these claims on my behalf and made sure that the payments are sent to me in time. The 5star review goes to Courtney Wallace and Kelly Davis. Thanks for all your support. Bless you both.

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I only used this insurance one time and had 3 pets on the policy. I was paying $221 for 3 pets under the very basic plan, which I thought was high. Renewal time came around last week and they increased to $291. That is absolutely ridiculous! I found a much better plan with a different company, Pets Best, for less than what I was paying originally, $175. Sorry Embrace, but you are pricing yourselves right out of business

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Helpful, kind staff! Simple, easy-to-navigate app! Quick claim approval!

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My dog got very sick and ended up at the veterinary hospital 2 times. She had multiple tests and medications. I filled out a claim online, downloaded my bills and was emailed immediately that the claim was being looked at. The claim was approved quickly and a check was in my hands within a few days. I was very impressed and thankful that I have Embrace Pet Insurance for my Shiba Inu!

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I am very satisfied with my 13 years with Embrace pet insurance. Quick response, easy to work with , easy to file claims and great customer service.

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