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Embrace Review

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Reviews 461

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

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
Embraceat 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 byBestmoney 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.

Embrace
Embrace
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Trustpilot reviews

See what some costumers are saying about Embrace
Embrace
PoorReviews 461
on
Excellent
75%
Great
4%
Average
5%
Poor
4%
Bad
12%
  • author
    Christine Khan
    3 hours ago
    The app is super easy to use

    The app is super easy to use! I'd recommend getting the the full wellness for puppies, definitely work the money.

    ...

  • author
    Adam Rosica
    11 hours ago
    I have had pet insurance for my Bernese…

    I have had pet insurance for my Bernese Mt Dog with Embrace for years. Sadly He had to be put down due to age related illnesses. Embrace was excellent to deal with and prompt to pay for all the covered expenses prior to and after his happy life ended. Be sure to sign up for direct deposit as the payments are made quickly and do ALL the submissions for bills on line . This really expedites things . Hoping your pet a happy and healthy life AAR

    ...

  • author
    Sue Blankman
    2 days ago
    Happy tails

    I’m happy with how my vet staff can file my claims without any hassles My returns came fast in the mail. And the amount was fair

    ...

  • author
    Lupe Rodriguez
    2 days ago
    Terrible Service- Seems Like they Don't Like to Payout

    Submitted my first claim in April 2021. My cat ate a string and needed emergency surgery to remove it. Traumatic experience! Heartbroken by the experience and thankfully he's fine! Submitting the claim was easy...now if they would only pay it. Getting the run around for months now. Need this or that. I get it to them, then they need another this or that. Seems like they don't like paying the claims only collecting the premium. Will definitely not renew my policy with this company. Having a sick pet is stressful enough- now dealing with the insurance company is a nightmare! Buyer beware, I should have done more research into pet insurance.

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  • author
    customer
    2 days ago
    I have had such a good experience with…

    I have had such a good experience with Embrace with my any healthcare issues I have had with my dogs. I highly recommend them.

    ...

  • author
    Sharon Guillen
    3 days ago
    Embrace has given me the best coverage…

    Embrace has given me the best coverage for my two cats. I appreciate their support and quickness in approving bills for my cats when needed. I will continue being a customer because of their amazing support.

    ...

  • author
    Laura M
    3 days ago
    No complaints

    We have had a great experience with Embrace thus far! Communication re: claims is clear and, most recently, we got our reimbursement within a week of submitting a claim! We will continue to use Embrace for our pet insurance!

    ...

  • author
    Steve Wilson
    3 days ago
    I had a dog that was very healthy and…

    I had a dog that was very healthy and all of a sudden, six months or so after, I started my policy, he was diagnosed with a devastating disease. Embrace truly processed my multiple claims without issue and no, I was not asked to give a good review. This is real and true.

    ...

  • author
    K Mendis
    Jul 19, 2021
    Easy, friendly, honest and clear

    App is super easy to use. When I had a question, I got a clear and friendly answer from the gentleman who fielded my call. Policies and EOBs are transparent and clear. Checks are sent quickly.

    ...

  • author
    Trista Norton
    Jul 12, 2021
    I'm So Glad I Chose Embrace

    I've had dogs my whole life, but have never had insurance. When I adopted an adult dog from a high kill shelter earlier this year I decided to research insurance for her. I ultimately chose Embrace as it seemed the smartest way to go and I was right! My dog began dealing with a health issue and Embrace has been super supportive. Claims are settled quickly and they have covered everything. I can't say enough about how glad I am that I chose insurance and that I chose Embrace. Having this insurance has allowed me to really give my dog the second chance she deserves.

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  • author
    Ashley P
    Jul 11, 2021
    Great insurance

    Best pet insurance I’ve used. It’s simple to use and the customer service seems to be quick. Pet insurance can be tricky and always seems like there are some frustrating bits to it but The reps I’ve spoken with seem to know what they’re doing and will help with what they can

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  • author
    Naomi Neufeld
    Jul 11, 2021
    Superb help for our Rattlesnake bite crisis

    I was always comforted by the idea that I had pet insurance and of course used the wellness benefits for their vaccinations and flea treatments, but Embrace really stepped up two weeks ago when Gemma, one of my Brittany’s was bitten by a baby rattlesnake- that we never saw! That set off a cascade of Emergency room visits, antivenin infusion, ICU care, meds, as well as rattlesnake vaccine for our other Britt. Our reimbursements were prompt. The EOBs easy to understand. Did you see that this occurred TWO WEEKS AGO!!!! I have been a USAA member for 47 years, and an Embrace enrollee for the past 7 years. All I can say is Thank you, I have recommended Embace to all of my neighbors friends and of course my family

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  • author
    Alika
    Jul 09, 2021
    EMBRACE saved Bella’s life and made it possible to give her the life she & every animal deserves!

    We have been with embrace since 2010 and I am beyond SO ETERNALLY grateful for this amazing company and family! Without them, I’d never have be able to afford to give my 4lb tea cup yorkie (little angel in a doggy body) an amazing life that every pet and animal deserve. When I got 8 week old Bella my mom told me to get pet insurance. Hands down, Embrace seemed like the best across the board. They were clear on their annual cap and reimbursement percentage per claim so that’s who I went with. I would have never expected to need to them as soon as I did when Bella was viciously attacked at just 3 months old. Without Embrace, I wouldn’t have been able to afford Bella’s life saving ER care after the owner (of the white Malamute which was off a leash while she rollerbladed) took off leaving me with not just a disheartened heart in humanity, but also left me with a hefty medical bill followed by a year of intense home health care, medication, re-integration therapy, and doctor visits for Bella. Embrace annual fee is worth every single penny!

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  • author
    Doug Hansen
    Jul 09, 2021
    Claims process was quick and easy

    Claims process was quick and easy. All its were covered as I expected. Approval and processing were very fast.

    ...

  • author
    Mike Brady
    Jul 09, 2021
    I’ve been with Embrace for a few years…

    I’ve been with Embrace for a few years now and I’m very pleased with how they handle all my claims

    ...

  • author
    Scott S
    Jul 08, 2021
    Not just great insurance

    Not just great insurance, but superior customer service and rapid claim processing.

    ...

  • author
    Dog dad
    Jul 07, 2021
    Don't bother

    Don't bother. They act like they care but really don't. Everything is a preexisting condition to these folks and won't pay out a dime. We've had much better experiences with other pet insurance.

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  • author
    Alexandra Nicole Uy
    Jul 02, 2021
    I love this insurance

    I love this insurance. The agents are very helpful, and I feel like my pet is taking care of. Having this insurance makes me worry less.

    ...

  • author
    Carin Hill
    Jun 27, 2021
    Pet Health Made Easy

    Embrace pet insurance has been the best choice we have made as new pet parents. The staff is so kind, responsive, and quick when it comes to questions, concerns, and claims. It could not be easier to submit claims, either. Mere minutes. I could not be happier. I also love the connection between Embrace and our Veterinary staff. Wonderful team approach. Thank you, all, for caring for our girl, Charlie.

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  • author
    Carol Thompson
    Jun 27, 2021
    I’ve been using embrace for over eight…

    I’ve been using embrace for over eight years. They have been wonderful. I’ve never had a problem. I’ve received honest and rapid responses to all requests for reimbursement of costs. I am so pleasedWith embrace and recommend it to all my friends who have animals.

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  • author
    GR
    Jun 26, 2021
    Embrace has been a godsend

    Embrace has been a godsend. Our dog Neo had an allergic reaction to a lepto vaccine, which resulted in multiple visit and very expensive treatment. Neo pulled through and the financial burden was alleviated by Embrace. The claims process was extremely intuitive and payments posted to our account within two business days. Recommend A+

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  • author
    Janice / Thomas White
    Jun 23, 2021
    Only items I got coverage on was the…

    Only items I got coverage on was the vet visits. No RX's or wellness medications / foods. You would cover if he got flea's or ticks but not the RX needed to prevent it. I was shocked.

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  • author
    Lorin Evans
    Jun 22, 2021
    All of my experience with this group…

    All of my experience with this group has been fantastic. If I had any questions I received an answer immediately. No call you back with any answer or we’ll get back to you. Plus, they got back to me about Noel’s health. Love it!

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  • author
    Karen Mckendrick
    Jun 22, 2021
    Claims were easy and fast on my…

    Claims were easy and fast on my refunds. Very happy!

    ...

  • author
    Patricia
    Jun 21, 2021
    Embrace processed my claim & the check was in my bank account in a few days.

    I really appreciate how quickly the emergency hospital faxed you the big bill for Bailey the same night they saw her. Then I was impressed how quickly Embrace answered letting me know you'd received my claim & it showed up in my bank account within a few days. That really helped a lot so I could get my large credit card bill paid from that emergency. I'm so glad I got your insurance when I adopted Bailey. It gives me piece of mind in scary emergencies like I had that day.

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  • author
    Anne Shibley
    Jun 20, 2021
    My Experience

    I had an emergency experience with my pet and the added stress of $ came to mind. I am so thankful I had Embrace and they were supportive after talking through the next steps.

    ...

  • author
    Scott M.
    Jun 18, 2021
    Embrace has always been there to support our beloved fur babies!

    Embrace has always been there to support our fur babies in a time of need. I highly recommend Embrace to all my family and friends and look forward to keeping their services for as long as we have our fur babies around. Truly Excellent customer service, and support!

    ...

  • author
    Richard Jaquess
    Jun 18, 2021
    Had to take my 2 cats to the vet and…

    Had to take my 2 cats to the vet and received quick, great service

    ...

  • author
    Phyllis J Henry
    Jun 17, 2021
    I was extremely pleased with the Claims…

    I was extremely pleased with the Claims Service I've had since becoming a Member of Embrace Insurance. The Company is thorough and prompt in reviewing Claims submitted, and notifying you of the Claims decision.

    ...

  • author
    Sheila edwards
    Jun 16, 2021
    Suprise inititial start up of service

    i gave this 4 stars due to ease of submission of request and the response back with completed decision. The plan i have is for 2 pets, one puppy and an older dog. The puppy we got at 8 weeks and had hook worms. They would not cover the expense of hook worms because they said it was preexisting??? i had started the service way before we got the puppy so we would be good to go for any issues, well apparently not. they denied my claim as previously stated it was pre existing. Well of course it was it's a puppy and probably had them when she was born after two days we took her to vet and found out she had worms. I was really shocked , but other than that all other submissions have been explained and processed. It was outside of the 14 day waiting period check Your records.

    ...

  • author
    Jeffery Markham
    Jun 12, 2021
    Blocked on Sunday

    Recently my cat was blocked, having trouble urinating, and I had to take her to an emergency vet (these things always happen on Sundays). Long story short is they covered her visit plus her follow up at her primary vet. Claim process is simple through the app, it was evaluated within days and I was reimbursed within two weeks. There’s no price to piece of mind knowing you can get care for your pet at any time with less worries about the financial impact. Thank you Embrace!

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  • author
    Patricia Martinez
    Jun 11, 2021
    Just great people always very quick to…

    Just great people always very quick to help with all answers!! They are the BEST!

    ...

  • author
    Brittany Doran
    Jun 10, 2021
    Super Happy

    My claims are completed in a timely matter and the I receive friendly customer service. I've used a few other pet insurance companies and this has been the best one!

    ...

  • author
    MBG
    Jun 08, 2021
    We got a new puppy a year ago

    We got a new puppy a year ago. He is very athletic. We researched pet insurance (this was our first time). I have USAA insurance and they partner with Embrace. We selected the right coverage for us and have had great insurance for our dog, Finnigan. Finnigan has had three issues in the last year. The claims were turned around in 48 hours (2nd and 3rd). On line submission was seamless! We would recommend Embrace whole heartedly!

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  • author
    Melissa Baer
    Jun 08, 2021
    Wow!!

    Wow!!! I am so fortunate to have Embrace. We are experiencing major medical issues with our pup and we would not have been able to give her the care she needs without Embrace. So grateful! 10 stars !

    ...

  • author
    Regina Peters
    Jun 08, 2021
    I am very happy I got this insurance…

    I am very happy I got this insurance for my dog

    ...

  • author
    Rudy
    Jun 05, 2021
    Two thumbs down 👎🏼 👎🏼

    Seemed good the first month but the customer service stinks, was on hold for an hour. The claims wait periods take forever. Always need documents. They seem more into not covering then covering. They tell you dental is covered then tell you cleaning goes into wellness after your dental appointment. Rigged. I’m canceling and moving on.

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  • author
    Michael Black
    Jun 05, 2021
    Really hard to work with Embrace.

    Really hard to work with Embrace. Even though they have my dog’s records they are always asking for more info before they will pay out a claim. I wish I had gone with another company.

    ...

  • author
    porter kerckhoff
    May 30, 2021
    Horrible company

    Horrible company. Doesn't cover anything and very unclear as to what they need when in the claims process. I waited three months while my medical history was pending while trying to file a claim. They suck and do not even bother calling your vet for the information they need and meanwhile I paid for the insurance for eight months. Do not use this company. They are the worst and vague with what they will cover at best. They say they can't cover you but do it with a smile!

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  • author
    Angel A
    May 30, 2021
    Excellent customer service

    Excellent customer service. Easy to file claim online. Check was received within a few weeks of surgery! Definitely recommend!!

    ...

  • author
    Matt Mitchell
    Jun 04, 2021
    Unreasonably broad and unclear exclusions

    My puppy got pneumonia within a couple days of the end of the waiting period for pre-existing conditions. Based on that, after months of not approving any claims, the finalized a review of my puppy’s medical history and responded with the broadest possible interpretation of what would be excluded based on his illness as a puppy. The claims adjuster said that they would not actually enforce the limitations as broadly as the exclusions are written because they “try to cover” as many claims as they can. Clearly, that’s not the case if they even have pre-existing conditions exclusions to begin with. More importantly, I basically have no idea at this point what my policy covers. They can’t explain what is covered so I know if I can bring my puppy to the vet and have coverage for him. And, if I bring him in for anything that falls under those absurdly broad exceptions and they decide not to cover it, the clock resets on his exclusions. Basically, at this point, I have no confidence that I can afford my pet’s care and I can’t change my insurance because, since they took so long to come back with their terrible and overly broad interpretation of exclusions, there would now be additional exclusions for pre-existing conditions if I went with a competitor. If, as your representatives say, you try to cover as much as you can for your members, then just do that and provide them the confidence that their pets will receive the care they deserve. Excluding pneumonia makes sense. Excluding every possible symptom that could be related to any respiratory infection is a way to minimize coverage, maximize profits, put pets at risk, and increase the financial burden put on pet owners. The company’s response below perfectly illustrates the problem. They’re writing these exclusions so that they can deny coverage on anything related to diarrhea, vomiting, coughing, eye discharge, or any upper respiratory infection for 1 year whether or not those symptoms are related to what my puppy was actually sick from during the incident in question. He could get any of those symptoms from a WIDE variety of illnesses. If he gets any of those symptoms and I take him to a vet, not only do I likely bear the full cost, Embrace gets to reset the clock on these “short term” exclusions. Representatives from the company would say they would never do such a thing and would only refuse coverage if...something, something...that they can’t explain. Why should I believe you? Also if, as you said in your reply, you just “have to comply” with all the fine print you hope your customers don’t notice when they sign up for a policy, then please don’t say that you try to cover everything. You don’t. And you haven’t provided any clarity on what is covered. In reality, your organization has made choice to exclude coverage in the broadest terms possible. Don’t hide behind “have to” when these situations are a result of conscious organizational choices to enhance company profitability at the expense of your customers and their pets.

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  • author
    Rebecca Barocas
    Jun 04, 2021
    Months of foot dragging to credit claim toward deductible

    My puppy was seen by a canine dentist for a misaligned canine tooth 2-1/2 months ago. I submitted a claim, which has not been credited toward our deductible. A follow up for a second opinion with a better qualified vet 2 months ago also still on hold. In the mean time, in lieu of surgery, using an inexpensive device and with the approval of the second dentist, I was able to encourage his canine tooth into the correct position, saving us and Embrace money. I have given Embrace every single thing they've asked for as far as medical records are concerned. I have provided information for the out of state vet that did his well puppy check where he was deemed healthy with no medical issues. Had he come from a shelter or "rescue", instead of a responsible breeder, he would have no medical records to check, so I guess Embrace is penalizing me for owning a well bred dog from a responsible breeder. I received yet another email stating that the claim is on hold for want of medical records, that I know have already been provided to Embrace. Because we have a high deductible Embrace isn't even paying any money on this claim, merely crediting a portion of the bill toward our annual deductible. Embrace seems to be making no effort to resolve this claim without me calling them every few weeks to inquire why it hasn't yet been resolved. Embrace used to be a wonderful company. They've obviously changed. Edited to add: I have already provided ALL of my puppy's medical records to Embrace. Their request that I do so again, is just another example of their continued foot dragging. No employee that I have talked to has been happy to research anything to get this claim credited. It's all on me, as an owner, to call Embrace repeatedly and hope I get an employee willing to actually address this specific issue. When Embrace got records that did not answer their questions, they did nothing except send me yet another non-specific email refusing to credit my claim toward my puppy's deductible. Edited to add: Just received yet another foot dragging email from Embrace that concluded with the following. "This process can take up to 30 business days once we've collected all necessary medical records, and it is likely you will not receive any updates during this time." and "Feel free to contact us if our requested time frame has been exceeded." This says everything you need to know about Embrace - we're gonna drag our feet and it's on the customer to keep following up as we do. Zero-star service.

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  • author
    Gina Smith
    May 27, 2021
    Brownie Claims

    My kitty had to have a follow up visit this year and then we had an emergency visit. Thankfully, my Brownie is ok and healthy again. I was able to easily glide through the claims process. All the agents at Embrace I spoke with were friendly and knowledgeable. I am super happy about the return! Get your pet covered. They are more than worth it!!

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  • author
    Karen Miletsky
    May 26, 2021
    Embrace is an Excellent Pet Health Insurance Carrier

    Embrace is an Excellent Pet Health Insurance Co to deal with. It was very easy for me to submit my claims online to them and they were resolved with expediency to sending me my insurance claims reimbursement for medical for my cats. I am very satisfied.

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  • author
    Lori Glazer
    May 24, 2021
    Embrace insurance is amazing

    Embrace insurance is amazing. My dog Truro has cancer and the approval for her treatment was super fast. They have paid for all of her Chemo. The payments are also super fast and direct deposited making it super easy. I could not recommend Embrace highly enough.

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  • author
    Michael Brown
    May 23, 2021
    My wife and Embrace saved the day!

    My wife and Embrace saved the day! I said, “We don’t need insurance for a healthy, 3 month old pure bread,well known breeder bread puppy”. “It’s a waste of money”. Boy was I wrong. I was finally talked into it and so happy we chose Embrace. My 1 1/2 year old lab was diagnosed with an elevated liver count which not treated now is life threatening. After many tests , which Embrace covered, our vet and a few specialists agreed that biopsies were the only way to find his cure and treatment of action. I forwarded the estimate to Embrace, which was super easy by uploaded the pdf,and within days they said what would be covered ,which was everything. This procedure ran me well of $9,0000! Not only did Embrace cover the promised 80%, but it was directly deposited within two days of my submission!! USAA and Embrace haven’t ever let me down!

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  • author
    Cathy Miller
    May 21, 2021
    Highly Recommended - Get Health Evaluation ahead of time

    I highly recommend Embrace because they offer a health evaluation ahead of time before signing up. This is huge because you will know ahead of time exactly what WON'T be covered. I have submitted a couple claims and everything got covered except the pre-existing conditions that I already knew wouldn't be covered. Excellent customer service. Forget the others who don't offer evaluations ahead of time and go with Embrace. They are upfront and honest and have excellent customer service.

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  • author
    Megan
    May 21, 2021
    So easy!

    Easy to file a claim and quickly got my payout. Very helpful!

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  • author
    Emme K
    May 17, 2021
    Great

    Great, and seamless process! Reimbursed in no time at all! Thanks for making the process run so smoothly.

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  • author
    Sandra
    May 16, 2021
    happy with the easy claims on line

    happy with the easy claims on line . I like that I don’t have to use a cover sheet .

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  • author
    Danielle Haussmann
    May 15, 2021
    I have only used embrace insurance a…

    I have only used embrace insurance a few times, but the times when we need it done and they send us a check it’s been great, we really appreciate your loyal dedication to our dogs. Thank you

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  • author
    MEL L.
    May 14, 2021
    What can I say

    What can I say, Embrace is simply amazing. I've had some small claims and a larger one recently, and the claim process is so easy and seamless. They process claims efficiently and quickly. Anytime I've had to reach out with questions, I receive top-notch customer service!

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  • author
    Rachel
    May 13, 2021
    Amazing service and coverage.

    Fabulous quick service. Claims reimbursed right away. Only one claim unpaid but it was pre-existing condition, which is an exclusion so expected. Highly recommend their service to anyone with a pet eligible for coverage.

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  • author
    Karen Hoben
    May 12, 2021
    When your sweet pup has been sick

    When your sweet pup has been sick, you don't need more to worry about. Thank you for making the experience easier where you could.

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  • author
    Matt
    May 09, 2021
    Amazing Customer Service, Claims Paid Correctly

    I cannot say enough how grateful I was to have insurance with Embrace. In the final month or two of my puppy’s life, she racked up about $3000 in various vet bills. Embrace paid every single claim just as I expected them to according to the policy terms I had. After paying the last one, the claim adjuster who handled most of the claims expressed her condolences in the EOB and closed my policy so I wouldn’t be billed anymore. I wrote her an email thanking her, she emailed me back, and I even received a handwritten card in the mail from her and Embrace. I never wanted to need Embrace but I’m sure glad they were there. If you’re comparing pet insurance providers, you won’t regret going with Embrace.

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  • author
    Renee Spinelli
    May 06, 2021
    Embrace is excellent in customer…

    Embrace is excellent in customer service and I love this pet insurance

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  • author
    Marcy Kawaguchi
    May 03, 2021
    Such an easy claim process

    Such an easy claim process. Very quick and thorough. They did most of the work. All I had to do was upload my receipts! Definitely appreciate the low hassle with working with this company.

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  • author
    Yuki May
    May 03, 2021
    Claim

    The claim was super easy and had no issues.

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  • author
    Aaron Stringer
    May 02, 2021
    Embrace is a great company

    I’ve had Embrace for I think a year, maybe two. Anyway, I realize their rates may seem kind of high, but you have to look at what they cover and really compare that to other companies. I did that, and there was no comparison. Along with the Wellness coverage Embrace offers for only $20 a month, you’re looking at complete coverage for your beloved pet. My dog had a tumor on his eye, and he had it removed. While they did that they cleaned his teeth. It cost me $650 but I received $510 back from Embrace. That included the remainder of my deductible, which has varying amounts upon sign up. I submitted my claim the day of my dog’s surgery once I got my statement from the Vet, and I received my direct deposit from Embrace four days later. I’m strongly encouraging you to sign up for Embrace Pet Insurance so you will have multiple comprehensive coverage options and several deductible options. You won’t be sorry!

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  • author
    Alan Muzzy
    Apr 30, 2021
    This was the first time we have had to…

    This was the first time we have had to use our Embrace Pet insurance. Boy were we glad we had it. Having to take our little Bichon to the pet emergence room at 2:30 in the morning is scary enough. Then when they explained the charges it could have been even more traumatizing. Luckily I could say "that's ok; we have pet health insurance". Turns out filing the claim was very easy and we got an email right back that they had received it. The check was in my hand within 2 weeks! So glad dealing with Embrace is totally uncomplicated!

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  • author
    MARILYN WISSING
    Apr 30, 2021
    Unexpected and rare health problem.My female cat is experiencing…

    I (and my female cat)are experiencing an expensive but necessary medical problem that has already cost thousands and will still involve surgery in order to remedy her rare problem. I am so thankful to have Embrace’s support through this ordeal. I was considering canceling my insurance when I was abruptly hit with all this! So glad I didn’t!

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  • author
    Jacques Diano
    Apr 28, 2021
    With a new puppy and a cat that spars…

    With a new puppy and a cat that spars with the neighborhood heavyweight, I am so glad that I got Embrace. The wife was skeptical at the start but has been won over. In less than a year it has proven its worth several times over. Whether it is the pound of dough that the dog counter surfed out of the kitchen, or the bloodied face and stitches my Rocky cat going after Apollo Creed, Embrace has stood by me and quickly resolved my pets needs and reimbursed me in a timely fashion. The app has made it a very easy thing to accomplish and I have become very good at using it in the 8 months I have had it for my pets. Thanks for your hard work and help. You guys are great.

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  • author
    Marie U
    Apr 28, 2021
    Quick turnaround once claims are…

    Quick turnaround once claims are entered by vet. Very satisfied.

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  • author
    Ron k
    Apr 27, 2021
    Great customer service

    Great customer service. Prompt service on claim. Kept me informed at all times.

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  • author
    Pam Woody
    Apr 22, 2021
    I think embrace is a good insurance for…the big things and the small things Trust me you should get Embrace for your animals

    I think embrace is a good insurance for pets. They have improved their claims. So fast so easy. I kept putting off sending in claims because it wasn’t as easy as it is now. I have recommended Embrace before but now I’ll let other know. I go to the dog park almost daily and some people have told me their going to sign up with their stimulus check.

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  • author
    Susan Cameron
    Apr 19, 2021
    Easy, and worth every penny

    I got pet insurance from Embrace via USAA about 6 months ago. Recently, my 5 year old Labrador, who has had almost zero health issues his entire life, chomped and then swallowed part of a cooked pork bone. I had to go to the emergency vet and have it surgically removed because it was a large chunk with some very sharp edges. As soon as I had all the paperwork and receipts organized, I submitted them to Embrace, and received my reimbursement extremely quickly. The platform is easy to use, and it is as low stress as possible when I am worrying about my fur child! I could not recommend Embrace highly enough. The ease of the platform, the friendly and approachable requests for documentation, and the speed of which I received the reimbursement check were outstanding. I have already recommended Embrace to multiple friends who have new pets.

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  • author
    Margaret
    Apr 19, 2021
    I never have to stress about submitting…

    I never have to stress about submitting a claim with Embrace insurance. They seem to always do what they say they will do - no hassle involved. I truly have great peace of mind when thinking about the well-being of my pups.

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  • author
    Tracy Jaffe
    Apr 17, 2021
    Quick, fair claims process

    My claim was processed quickly and fairly.

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  • author
    Benjamin Campbell
    Apr 17, 2021
    We have been members for several years…

    We have been members for several years and am impressed with Embrace’s efficiency. So much so, that we have referred several friends and Embrace.

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  • author
    L.Johnson
    Apr 15, 2021
    Embrace Pet Insurance is great

    Embrace Pet Insurance is great. We are quite pleased so far after being a client for over a year. Some things could run smoother however, such as claim forms being more detailed, and claim processing time being less. Should have claim forms for accidents, and a separate one for illness. The Wellness Policy is fantastic. It takes care of my pet grooming and medications. THANK YOU EMBRACE PET INSURANCE.

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  • author
    James Marcinkowski
    Apr 15, 2021
    My cat Bella required several medical tests.

    My cat Bella required an Ultrasound under sedation and a biopsy also under sedation as well as x-rays and bloodwork. All this was covered under the policy and deposited in my bank account very quickly. Very good customer service. The policy saved me several thousand dollars in medical fees. I was very impressed.

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  • author
    Jennifer Gosselin
    Apr 14, 2021
    A BIG THANK YOU TO EMBRACE PET INSURANCE!!

    My 3 year old GSD decided to swallow a pretty large piece of a Kong plastic toy. He became very ill and needed emergency surgery. We knew that this was going to be very expensive. He stayed at the hospital for 2 nights. The claim was submitted when he got home later that night. The next morning the Embrace representative emailed me that the claim was processed and approved and the funds would be in my account in 2 business days. We could not believe how quickly and efficiently the claim was processed! We highly recommend this company and cannot say Thank you enough for taking the worry out of this very stressful situation.

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  • author
    Gabriela P.A.
    Apr 11, 2021
    Making a claim

    The process of making a claim is fast and easy with the new program. All I have to do is input my invoice and the diagnosis my babes vet gave me and done. I wait for a response and then receive a reimbursement within a couple of weeks, one less worry! If something goes wrong I give a call and all representatives have been nice and informative. I am very grateful for choosing embrace!

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  • author
    KC
    Apr 11, 2021
    first-time user of pet insurance

    I have just started using this pet insurance - or any pet insurance - but for the most part I have found their claims process to be reasonable and as expected. They do take into account pre-existing conditions in a logical manner and they do give credit where credit is due. I had a lot of appointments for my pet already and I used up the deductible, in which case they did quickly send me a check for the amount over my deductible. They were a bit slow at times, due to COVID delays, but otherwise receptive, professional, and friendly - and like I said, the check came in the mail quickly.

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  • author
    Marjorie White
    Apr 09, 2021
    This is a great insurance

    This is a great insurance. Claims quickly processed, staff very helpful. I highly recommend this insurance.

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  • author
    Susan Tasaki
    Apr 09, 2021
    Best in Show

    Because I've spent 20 years editing articles on dog care for magazine publication (and doing a whole lot of fact-checking), I did extensive due diligence before purchasing an Embrace policy for my middle-aged dog. Embrace was (and is) the best choice for my particular needs. The company's policies are clearly stated and their requirements are unambiguous. It's easy to file claims online and their response time is good. I recommend them.

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  • author
    Leigh Anne Harden
    Apr 09, 2021
    Quick, easy, reliable service!

    Embrace and super easy to use, and quick in their responses. We’ve had good experiences having medical expenses covered and no issues or complaints! Highly recommend!

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  • author
    Korina Meads
    Apr 06, 2021
    Easy, quick, and straight forward

    Working with Embrace has been very straight forward from the beginning. No surprises which was a must for me. Submitting claims is very easy and response time is really fast. I am very pleased!!

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  • author
    Christine Wheeler
    Apr 06, 2021
    All customer service reps I dealt with…

    All customer service reps I dealt with were helpful and courteous. Embrace kept me up to date on the status of my claims. Received a check in a timely manner. I’m delighted that Embrace is affiliated with USAA!

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  • author
    Julie Mignone
    Apr 05, 2021
    Thank you for truly caring

    We have just experienced the worst thing ever for a pet parent. Our fur baby was only eight months old when we lost her. We went though two traumatic nights multiple visits and two surgeries. We would have done anything and we did. More than two weeks went by, and the time came to call the insurance company. I did not want to make this call. I flat out told the person we hadn’t even had the time to get all the paperwork completed. She was still a baby. Well from the first call with Faith to the gentle hand holding and sincere conversations with Jenn the process was still extremely painful but went smoothly. These ladies helped me get through an extremely raw time with care and understanding. Thank you to Embrace for having these ladies on your team.

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  • author
    Missy Becker
    Apr 05, 2021
    I was hesitant to get pet insurance for…

    I was hesitant to get pet insurance for my new pup but am sure glad I did. Great customer service and fast reimbursement. Could not as for a better experience

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  • author
    Michael Klein
    Apr 04, 2021
    Easy claims and fast payment.

    Easy to submit claims. Approval took less then a week and payment came in less than 3 weeks. Covered $5300 of a $7200 emergency surgery. My dog is alive and i never had to worry about extreme costs.

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  • author
    Nathaniel Kyker
    Apr 04, 2021
    Why waste over 500 dollars a month? Start saving!!

    Better off just saving what you pay a month. I recently took my dog to vet and ended up with over a 600 dollar vet bill. I paid out of pocket to be reimbursed later. I pay over 65 dollars a month. I have had them 8 months. So about 520 dollars is what I’ve paid them so far. I filed my claim, which took forever , it was way more than the two business days that was stated to me because I was a USAA member. Moving on, once my claim way filed, out of the 600 something odd dollars, they took 500 something for the deductible. So it’s left me with 70 something odd dollars for my 600 plus vet bill. Apparently this is something you must pay every year, then and only then you’re only eligible for up 80 percent reimbursement. If you ask me, you’re better off putting aside 150 a month for your pets, that way when you need the money there is no wait. Makes no difference since you’re paying out of pocket to begin with. Just another thing you pay tons of money into for what? Maybe your healthy pet needs some surgery or something? Most dogs never have issues till they are older anyways. If you feed your beloved best friend the best and love them. Most times that’s enough till later on in their life. So if you set aside 150 a month, that’s 1800 a year, so I’m going off of my dogs, the oldest which is 8, I would have saved over 12,600 for vet emergencies etc. trust me when I tell you, this is way better than eating a 600 dollar vet bill because of a deductible. Do the smart thing and start saving now. That way there is no maybe, that you’ll get reimbursed. You will have the money and not worry about dealing with a damn claims department and wasting 68 plus dollars a month on some crap. When you get a pet, start saving as much as you can every month. Like I said just my two cents, on the service here. I would rather have my money and use it when I need it.

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  • author
    Ruth Canny
    Apr 02, 2021
    I have been very pleased with the…

    I have been very pleased with the service Embrace insurance has given me. Because of my dog's health issues, I am very happy that I decided to obtain coverage for him, Thank you for your excellent service.

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  • author
    Raz Rahman
    Mar 30, 2021
    Embrace has been a pleasure to do…

    Embrace has been a pleasure to do business with. We first had Embrace years ago with an older dog and it sure came in handy. When he passed, they were kind enough to send a note and still processed the final claims in record time. Now, we have a new puppy and she gets into everything. We had an unfortunate incident and she ended up at Emergency Veterinary Services, with a costly emergency surgery. Since we had all our examinations/checks done before this incident, we had everything covered, and it truly is a savior. A few thousand dollar bill became manageable since the policy kicked in. We just needed to pay for the deductible, our "co-insurance", and the rest was covered as expected. The mobile application and web portal made it very easy to follow the process along, and the complete reimbursement process from submission to direct deposit of funds took less than two weeks. All in all, I highly recommend Embrace to anyone looking for a pet insurance policy. We also have the Wellness program and it pays itself back over the course of the year making it easy to budget for necessary vet visits. Read your policy documents and follow all the advice, and you'll be extremely happy!! The policy comes in handy when you need it. The stress relief alone is worth it. Thank you Embrace!

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  • author
    Michelle R.
    Mar 29, 2021
    Prompt and Caring Service

    I’ve had Embrace for years and needed to submit a claim for the first time. Incredibly prompt and caring service and a very worthwhile policy.

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  • author
    Veronica Spagnolo Garrett
    Mar 26, 2021
    Great coverage with dedicated Customer…

    Great coverage with dedicated Customer service! Highly recommended! Worth the investment in caring for your pets!

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  • author
    Dr. Marie
    Mar 25, 2021
    Excellent support

    My dog needed very expensive dental care. Embrace was helpful throughout the process. They quickly answered my inquiry before the procedure so I could determine whether or not the procedure would be covered. Then after the procedure, they helped me file the claim, indicating that doing so through their app or website would make the claim process much faster. Embrace kept me informed throughout their review process so I could know what was happening. Then, when the review was complete, they did reimburse me for about 70% of the cost. The entire process, from filing thr claim to reimbursement took about 3 weeks. After they completed their review, they also sent me a detailed email indicating the effects this reimbursement would have on future claims for dental work. Overall, I would rate Embrace as outstanding. I have also told my primary veterinarian and the dental veterinarian how well Embrace did for me. Both will be sure their colleagues know about my excellent experience

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  • author
    Shelly
    Mar 25, 2021
    Embrace has us covered!

    We are very pleased with our Embrace plan! When we got a new puppy last year we knew we wanted to be covered. The app is very easy to use to submit and check on claims. Embrace reimburses quickly. We look forward to the security of having our pup covered for his lifetime!

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  • author
    Darrell Dobbins
    Mar 24, 2021
    Terrific service

    We recently used our policy to help cover the cost of a root canal for our dog that was necessitated by a fractured tooth. Embrace employees were responsive, professional and very helpful. The whole process took only a few days from start to finish. We were very impressed and grateful.

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  • author
    matt johnson
    Mar 23, 2021
    Our dog is alive because of Embrace Pet…

    Our dog is alive because of Embrace Pet Insurance. They have covered over $20,000 of expenses quickly and professionally. I could not recommend them more highly.

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  • author
    Tali Tucci
    Mar 20, 2021
    My cat needed to go to the emergency room

    My cat needed to go to the emergency room and the bill was about $4,000.00. Embrace was WONDERFUL! They covered 90% as promised and what a relief to know we have good pet insurance. 2 years ago we spent $8,000.00 to save our dogs life. After that, I knew we needed pet insurance. Embrace has been great. Excellent customer service and always a nice and efficient person on the phone. Very happy. 😃

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  • author
    Daphne DeMaris
    Mar 19, 2021
    I debated about getting pet insurance…

    I debated about getting pet insurance but because my cat is 13-14 years old, I knew that the possibility of some health issues was greater than before. I am a whole-hearted kitty-mama and would want to do anything I could for Abby. Even though it is an additional monthly expense, it is worth it. Once The deductible is met, getting reimbursed is super easy. I simply upload the required form and the receipt and usually am reimbursed within a week. There are a couple of plans to choose from and what percentage the reimbursement is depends on what choice you make. It has saved me a lot of money over the past year, because Abby has gone to the vet five times and even recently had dental surgery.

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  • author
    Kelly
    Mar 19, 2021
    Our brilliant dog swallowed a popsicle…

    Our brilliant dog swallowed a popsicle stick hole one night. My husband had to take him to the emergency vet, where they originally quoted close to $3,000. My husband got very concerned about the amount until I reminded him we had pet insurance. We had a general estimate on what would be covered, but we were very appreciative at how quickly Embrace processed the claim. We would've done anything to save Flynn regardless, but saving money (and getting paid back quickly) made it a lot less stressful.

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  • author
    Carly Starr
    Mar 17, 2021
    Two years ago I lost a beloved dog

    Two years ago I lost a beloved dog to diabetes, the loss left a huge hole in both my heart and my pocket as she was not insured. I decided at that moment to insure my Boston Terrier and researched different pet insurances. I decided on Embrace and I am very happy that I made this choice. The first year my healthy Boston earned a reduction in deductible going from 200 dollars to 150 dollars. I thought we were going to continue that trend when 6 months into the second year of the policy I noticed my Boston short of breath. I took him to the vet and upon testing it was determined that he had developed cardiac problems. I am so happy that I will be able to continue with the best care for my little guy because of Embrace Insurance. They have been an absolute pleasure to have as a partner in my dogs health.

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  • author
    DGR
    Mar 16, 2021
    Worth every penny when it counts

    I've had insurance on my GSP for over five years and never made a claim, and I'm a glass half empty type when it comes to insurance. I expected a bad experience when my boy needed emergency surgery. I got quote the opposite. Claim submitted and within a week I received a check, less deductable. Can't complain about that no matter how hard you try. I have already recommended Embrace to others

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  • author
    customer
    Mar 16, 2021
    Pet Embrace Insurance has been great…

    Pet Embrace Insurance has been great for our Pom.. Thanks.

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  • author
    N Phoenix
    Mar 15, 2021
    Fast and Reliable!

    My dog needed surgery for swallowing a fist-size toy. I submitted the paperwork as soon as I got it and Embrace reimbursed me every penny of 90% over my deductible, no questions asked, within two weeks. Great experience and so helpful and reassuring during a stressful time.

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  • author
    Mark M
    Mar 12, 2021
    First Claim with Embrace

    Have had Embrace Pet Insurance for a few years now, and this year was the first time having to put a claim in. Contacted Customer Service beforehand and the rep was very friendly and knowledgeable and was quickly able to answer my questions. The claim process was simple especially with the app to upload docs and see the progress of the claim. Once approved the funds were in my account the next day. Will continue to recommend Embrace to our friends and neighbors who are looking for a pet insurance company.

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  • author
    Pat A
    Mar 10, 2021
    Embrace has far exceeded expectations!

    We lost our 15 1/2 year-old dog in November, which was very difficult. Around this same time our two other dogs started having health issues. This is all very emotional, scary and expensive. As the medical bills were mounting, I finally got to the point where I needed to take the time to gather the paperwork (which I already had, but needed to scan) and submit the claims. To my pleasant surprise, the claims process requires no claims forms to be completed by me or the various veterinarians; all I needed to do was upload the detailed receipts and provide an explanation, as well as upload any supporting documentation I had. This could not have been easier! By checking the status of the claims online I could tell that the claims reps had started to work on them, as well as the status of each. There were 18 claims that I initially submitted. If there was any additional information needed from the vets, the claims reps requested what was needed. Some claims were processed and paid within 2 days, and all were processed and paid in just under one week!!! This far surpassed any expectations I had. Because I pay all bills in full, It was nice to be able to replenish the savings account that had taken quite a hit in a relatively short period of time. Unfortunately there will continue to be medical bills for both dogs. Hopefully the issues with one dog may not be as bad as originally diagnosed, but one dog has a couple of different cancers and is going through treatment, which will be ongoing for a while, so fingers crossed he does as well as another dog of ours who had cancer many years ago and lived 6 years after diagnosis and treatment (to nearly 18!!!). Anyway, because there will obviously be more expenses to come, it’s nice to know the claims process is so streamlined and the claims staff diligent in processing the claims quickly - one less thing to worry about! My experience with Embrace has been stellar!

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