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Embrace Review

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Reviews 1,092

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BestMoney Staff
Bestmoney Staff
Dec. 30, 20204 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.

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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.

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Embrace
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  • author
    Michael Ahern
    a day ago
    Finnegan The Golden

    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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  • author
    Harriett Spencer
    a day ago
    When my cane corso became ill

    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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  • author
    Roberta Curtiss
    a day ago
    Compassionate / Peace of Mind

    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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  • author
    Mikey
    a day ago
    Extremely disappointed

    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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  • author
    Sharon
    Jan 01, 1970
    Excellent response!

    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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  • author
    Jeff
    Jan 01, 1970
    Darcy was/is very knowledgeable about…

    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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  • author
    Gail Gomes
    2 days ago
    Your insurance is awesome

    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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  • author
    Christy Deutschle
    Jan 01, 1970
    Quick and easy!

    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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  • author
    mary guimond
    Jan 01, 1970
    unacceptable customer service

    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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  • author
    Cherry Castaneda
    Jan 01, 1970
    Your in good hands with pet embrace…

    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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  • author
    tatianna gilliam
    Jan 01, 1970
    Still sucks

    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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  • author
    Ann Dempsey
    Jan 01, 1970
    We just Registered our new dog and has…

    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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  • author
    Alyse
    Jan 01, 1970
    They will take your money

    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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  • author
    Donald
    Sep 21, 2022
    Beware of rate increases

    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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  • author
    Donovan Bays
    Sep 21, 2022
    Lovely customer service and attention…

    Lovely customer service and attention to detail

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  • author
    Margaret Bradford
    Sep 21, 2022
    Claims

    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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  • author
    Madeline Shirts
    Sep 21, 2022
    I’ve been paying for pet insurance for…

    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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  • author
    Martin Pressman
    Sep 20, 2022
    Hunter tore his CCL/ACL and had a…

    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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  • author
    Robin Forrest
    Sep 20, 2022
    Embrace pet insurance was there for me…

    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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  • author
    Charles Reed
    Sep 19, 2022
    Got my claims handled expeditiously

    Got my claims handled expeditiously, thank you Embrace!

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  • author
    Peter Weinmann
    Sep 18, 2022
    The process was easy and the agents…

    The process was easy and the agents were honest.

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  • author
    Customer
    Sep 17, 2022
    Buyer Beware

    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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  • author
    Jason Hall
    Sep 16, 2022
    Great experience!

    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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  • author
    Ali Bradshaw
    Sep 16, 2022
    Grateful for Embrace

    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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  • author
    Merilee Szego
    Sep 15, 2022
    MANY THANKS TO EMBRACE…

    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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  • author
    Jeri Yoder
    Sep 15, 2022
    Excellent service

    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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  • author
    Sam
    Sep 15, 2022
    Appalling

    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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  • author
    Kerry Hedrick
    Sep 14, 2022
    Still waiting

    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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  • author
    Gina Machina
    Sep 14, 2022
    Comprehensive Coverage?

    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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  • author
    Cindi Mack-Ernsdorff
    Sep 13, 2022
    ALWAYS feel like Embrace does the best…

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

    ...

  • author
    Andy
    Sep 13, 2022
    Sales person not truthful with me

    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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  • author
    Carol Peter
    Sep 11, 2022
    Open Your Own Savings Account. Avoid These Crooks.

    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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  • author
    Claire
    Sep 11, 2022
    DO NOT get this insurance

    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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  • author
    mibu27
    Sep 12, 2022
    This company is terrible

    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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  • author
    Rawson Coleman
    Sep 10, 2022
    Hope you don't need it

    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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  • author
    Lannus
    Sep 09, 2022
    As usual

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

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  • author
    Angela Shore
    Sep 09, 2022
    I will not be using them again

    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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  • author
    Shelby Helms
    Sep 08, 2022
    The ease of submitting a claim and the…

    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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  • author
    Janie
    Sep 07, 2022
    Great Service!

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

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  • author
    Bill Molloy
    Sep 06, 2022
    I am impressed with how quickly Embrace…

    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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  • author
    Nick Suciu
    Sep 05, 2022
    Wonderful Experience with Embrace!

    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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  • author
    Connie H
    Sep 06, 2022
    great service

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

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  • author
    SGC
    Sep 05, 2022
    Extremely Impressed

    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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  • author
    bsmith
    Sep 04, 2022
    A Great Experience for Dog Surgery

    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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  • author
    Melissa
    Sep 04, 2022
    Highly recommend

    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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  • author
    Sherry Skumanick
    Sep 03, 2022
    We had a great experience with Embrace

    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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  • author
    hairgrl
    Sep 02, 2022
    We’ve had embrace for 2 + years and…

    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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  • author
    Paige K
    Sep 02, 2022
    Sick dog, can rely on Embrace

    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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  • author
    steven raiser
    Sep 02, 2022
    Excellent coverage claim process and…

    Excellent coverage claim process and customer service.

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  • author
    Frances Leshnock
    Sep 01, 2022
    Employees always very professional.

    Employees always very professional.

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  • author
    Lee Wilson
    Sep 01, 2022
    Your service was fast and advertised

    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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  • author
    Kathy
    Sep 01, 2022
    I have had embrace for 2 years….I…

    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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  • author
    Michael Runyon
    Sep 01, 2022
    Great Service

    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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  • author
    Jose
    Sep 01, 2022
    Terrible service

    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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  • author
    Don Schmidt
    Aug 31, 2022
    Severe Rate Increase After First Year

    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).

    ...

  • author
    Marietta Mancini
    Aug 31, 2022
    My Embrace Experience

    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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  • author
    Crystal Hughes
    Aug 31, 2022
    I'm so pleased with Embrace

    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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  • author
    Nicholas Nowakowski
    Aug 31, 2022
    Embrace made the experience very hassle…

    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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  • author
    Marlane Kriner
    Aug 31, 2022
    The information about the policy was…clear, explained, and gave me multiple choices depending on the level of coverage I wanted.

    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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  • author
    Vita Somers
    Aug 31, 2022
    I absolutely LOVE Embrace Pet…

    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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  • author
    Gloria Stayman
    Aug 30, 2022
    Love Embrace!

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

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  • author
    Robert Smith
    Aug 30, 2022
    I have not had this insurance long and…

    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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  • author
    Arnita McClinton
    Aug 30, 2022
    I love the timely service I get from…

    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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  • author
    Chris P.
    Aug 30, 2022
    Best of the best!

    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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  • author
    Karen ATX
    Aug 30, 2022
    Complete waste of money and time

    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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  • author
    Talia Mullen
    Aug 30, 2022
    Lack of Effort and Follow Through

    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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  • author
    Chris Sheets
    Aug 30, 2022
    Glad I got the insurance!!

    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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  • author
    Benedicto Cabusao
    Sep 01, 2022
    They take 2 months to review claim even…

    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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  • author
    Consumer
    Aug 28, 2022
    The person I spoke to was very helpful…

    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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  • author
    Kesha Wilkins
    Aug 28, 2022
    Helpful or Hurtful

    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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  • author
    Andy Consolo
    Aug 27, 2022
    Wally's left rear leg

    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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  • author
    Brenda Klose
    Aug 27, 2022
    Pain-free claim

    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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  • author
    Lou Pastore
    Aug 27, 2022
    Would recommend

    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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  • author
    Joshua Chiasson
    Aug 29, 2022
    Takes Forever

    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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  • author
    Robert Torrealba
    Aug 29, 2022
    Conniving and Dishonest just like all the others

    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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  • author
    Charles Ogren
    Aug 26, 2022
    Prompt reply great service thank you…

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

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  • author
    Dog Mom
    Aug 25, 2022
    Worth it.

    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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  • author
    Kelly S.
    Aug 25, 2022
    I had never gotten pet insurance before

    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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  • author
    jgp4343
    Aug 24, 2022
    Claims take too long to process

    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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  • author
    Amalia Monios
    Aug 24, 2022
    Good response time

    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.

    ...

  • author
    Dana Genovese III
    Aug 24, 2022
    40% increase after one year,no claims!

    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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  • author
    brenda woodrich
    Aug 24, 2022
    This is a great pet insurance I have…

    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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  • author
    Seah San
    Aug 24, 2022
    Stupid company

    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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  • author
    Cindy Groover
    Aug 23, 2022
    Embrace is the Best

    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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  • author
    Debra Wanamaker
    Aug 23, 2022
    Embrace is worth checking out!

    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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  • author
    Shawn Hickey
    Aug 23, 2022
    Clams have been easy to submit

    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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  • author
    Heidi Medina
    Aug 22, 2022
    Everything was done smoothly

    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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  • author
    Bellamy Kemp
    Aug 22, 2022
    Boxer puppy got into Sago Palm

    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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  • author
    Rob O
    Aug 22, 2022
    Do not purchase this insurance

    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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  • author
    Rcarman
    Aug 21, 2022
    Great experience overall

    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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  • author
    Caprisha Grant
    Aug 20, 2022
    Waste of money canceling would not pay…

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

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  • author
    Lcee
    Aug 20, 2022
    Helpful,professional staff.The response time was excellent,questions were answered with clarity.

    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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  • author
    customer
    Aug 20, 2022
    No lapse in plan

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

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  • author
    Hannerose Littooy
    Aug 20, 2022
    Absolutely best service

    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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  • author
    Rachel K
    Aug 20, 2022
    Created a pretext not to insure

    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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  • author
    AK
    Aug 19, 2022
    Embrace for your pets

    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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  • author
    Nadean Schnaible
    Aug 19, 2022
    Not the best!

    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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  • author
    ABC
    Aug 17, 2022
    Amazing All Around!

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

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  • author
    Tracey Tanner
    Aug 18, 2022
    I had one very sick puppy

    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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  • author
    Luis
    Aug 17, 2022
    I am very satisfied with my 13 years…

    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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