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Embrace Review

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Reviews 819

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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
ExcellentReviews 819
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Trustpilot reviews

See what some costumers are saying about Embrace
Embrace
ExcellentReviews 819
on
Excellent
76%
Great
5%
Average
4%
Poor
3%
Bad
12%
  • author
    customer
    36 minutes ago
    Helpful staff

    Helpful staff, clear explanation of wait time.

    ...

  • author
    Walter
    2 hours ago
    Self-serving and sneaky. Beware.

    This company is really good at taking your money. So good that they raise your rates WITHOUT NOTIFYING YOU. So watch your credit card statements, kids. My dog had a procedure Embrace paid 1 month and labeled 'a preexisting condition' the next time he needed it done. And they just approved it the previous month! Prepare to wait on hold at least a half hour before anyone answers the phone to straighten things out. Which btw, they won't.

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  • author
    Lorena Erickson
    12 hours ago
    My experience was excellent

    My experience was excellent. The representative answered all my questions and took care of my concerns while being very polite.

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  • author
    Bennie Paramore
    15 hours ago
    Submitted all necessary paperwork on…

    Submitted all necessary paperwork on our animal, filed a claim on a service at the beginning of February of 2022. The company put a hold on the claim stating on the paperwork was not submitted. I resubmitted all the paperwork that I had to the company, a month goes by nothing I submitted a email to the company on inquiring on the status of the claim, received no correspondence. Then I submitted another email stating that I’m not help with the service. A month goes by and still nothing, so I canceled my policy with the company. Even with me calling to cancel the customer service representative never inquired on why I was canceling my policy. So use this company at your own risk BP

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  • author
    Kelly Reynolds
    16 hours ago
    Im only giving a 3 for now

    Im only giving a 3 for now, because I do not have my adoption final. Im impressed with the coverage, but I spoke to a rep that apparently thought she knew more than me about how my place of work ran better than I did. Mind you, I have been an RVT (registered vet tech) for 32 years and have worked at a prestigious university veterinary hospital for 21 years. Yet, she had to mention she was a vet tech and knew my hospital better than I did. Well, I was correct regarding our discussion. I will follow through with my adoption and go with Embrace, because of the coverage. However, I do not appreciate an employee there arguing about what I know, and implying they know more, after I had to repeat myself several times.

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  • author
    Consumer
    25 minutes ago
    I registered my dogs as mixed breeds…

    I registered my dogs as mixed breeds medium. Embrace cherry picked information from the vet record that said one “resembled an Australian Shepherd” an Embark DNA test confirmed mixed breed. Embrace refused to acknowledge DNA tests and vet emails informing them my dog was a mixed breed. Embrace refused to let go of erroneous info they were using to justify higher premiums despite proof it was inaccurate. I had no choice but to discontinue service with them. I would not recommend Embrace, they will rip you off if they can. To be clear, my vet emailed Embrace on two occasions to notify them my dogs breed is in fact mixed breed. Embrace ignored those emails and continued to classify her as an Australian Shepherd.

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  • author
    Joann Young
    21 hours ago
    2 dogs dental care

    Have 2 dogs that needed a lot of dental work that was very expensive. Thank goodness for this insurance. My claims were done in a fast time and I received my checks in 5 days.

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  • author
    Alyssa Danielson
    a day ago
    My policy renewal had a 33% increase…

    My policy renewal had a 33% increase for both my pets after just 1 year for the sole reason that they aged one year. They had no medical issues or new diagnosis. No changes in health at all. When I spoke with customer service they said this increase was likely to happen every single year. I immediately cancelled my policy.

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  • author
    Tommy W.
    2 days ago
    Embrace is a very good pet insurance company

    Embrace has been pretty fair to me and my dogs. Some claims have taken a bit longer to process than others, but ultimately all have been accepted. Their customer service staff is as friendly and helpful as they come.

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  • author
    Donna Reich
    2 days ago
    I had researched 2 other pet insurance…

    I had researched 2 other pet insurance companies and I am so happy I went with Embrace. My new puppy had his first wellness check up on Wednesday and I submitted my claim and by Friday the claim was approved. I am so happy I made the choice to sign up with Embrace and River is in good hands. Thank you all !!

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  • author
    Ronald Mcdaniel
    2 days ago
    Excellent service

    Excellent service. Very pleased.

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  • author
    Lina Jaime
    3 days ago
    This insurance covered nothing

    This insurance covered nothing. It was a waste of money!

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  • author
    Becki
    3 days ago
    If you have a pet

    If you have a pet, you need this insurance. Just like with people, you never know when you are going to need insurance so having it is a literally a life saver. My Luna ending up with kidney disease and pancreatitis, she had one incident that was almost $8,000 and because of Pet Embrace Insurance, I did not have to choose between Luna's life and money like so many others have to. They have been so worth the price and even though Luna is no longer with me, I would purchase this insurance again. Thank you Pet Embrace for allowing me peace of mind during Luna's last year.

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  • author
    Sipnbrew
    3 days ago
    If you need pet insurance

    If you need pet insurance, you can stop looking now. Embrace has been a fantastic company to work with. They don't haggle with reimbursements, timely reimburse you, and have great customer service! My dog has melanoma in its' mouth and lungs and they've paid for every x-ray, immunization shot, and surgery over the last few years without question. I can't say enough about how great this company is! AT

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  • author
    Crystal F.
    4 days ago
    Great coverage easy to submit a claim

    Great coverage easy to submit a claim. Exceptional customer service. Have been with them for 4 years.

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  • author
    jennifer rexroad
    May 12, 2022
    Embrace Insurance is excellent to work…

    Embrace Insurance is excellent to work with and their customer service is superior. Highly recommended

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  • author
    Roz Von Harz
    May 12, 2022
    Terrible customer service

    Terrible customer service! Spent in excess of 2.5 hours trying to get a question answered. Took 3 minutes to cancel!

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  • author
    Terri
    May 11, 2022
    Stop looking and get Embrace Pet Insurance.

    I have to admit I was a little skeptical about taking out pet insurance 7 years ago. I settled on Embrace after much research. I had no need to use it until recently when my GSD needed TPLO surgery. They have been so kind and very efficient about settling my claim. I can't thank the Embrace team enough for everything they have done through this stressful time. When they say "the checks in the mail"..........They're not kidding!!!! Thanks a million Embrace.

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  • author
    Kathy Bartholomew
    May 11, 2022
    I had an unexpected medical emergency…

    I had an unexpected medical emergency with my cavalier spaniel on a Sunday. I had to take her to an emergency vet and the total bill was very expensive. Embrace insurance paid exactly what my policy said it would. They were very timely with their response and with my reimbursement as well. I would recommend them.

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  • author
    Jamie Godfrey
    May 10, 2022
    I have called about my dogs ACL being…

    I have called about my dogs ACL being torn, and the devastation I was in and had great customer experience with Kyle. He was super friendly, knowledgeable, up front about expectations for getting my puppy taken care of and the claim submitted. The paperwork was sent out to my email within minutes of getting off the phone. The claim was submitted and processed just as quickly. Thank you Kyle for your hard work and dedication to my fur animal in helping me get him taken care of you're the best! Because of your amazing help, my dog is in full recovery and doing better! :D

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  • author
    Karolina Johansson
    May 10, 2022
    Don't use this service

    I would not recommend this service to anyone. It is a complete waste of money. I signed up for my 9-year old Staffie and every single claim filed got denied because of "pre existing" conditions. In my case they considered an upset stomach as a pre existing condition. Which insurance companies are not supposed to deny treatment for either way. I think this company is a scam. Stay away!

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  • author
    A Ro
    May 09, 2022
    A rip-off? TBD

    So far I don’t think this company is worth anything. My 4.5 year old dog is completely healthy and had only seen mobile vet clinics for vaccinations and flea/tick prevention meds up until last month. When I started my policy in September I was under the impression that there was a waiting period for coverage to start if no act was taken on my part, and if I wanted immediate coverage I needed to go in for a checkup to verify there were no pre-existing conditions within a 2 week period. Since I am a busy emergency room nurse during a pandemic, and since my mobile vet clinic kept rescheduling due to covid, I ended up opting for the waiting period. So imagine my surprise when over 6 months into paying for insurance, and well after the waiting period has ended, my dog gets a tick bite and embrace tells me that it may not be covered because they didn’t have a well visit sent in the first 2 weeks of coverage. AS IF A CURRENT TICK BITE IS A PRE-EXISTING CONDITION!! The tick head was literally still in her body. I called customer service last week (be prepared for a 45 minute wait on hold), and I re-sent the doctor’s notes to the agent I spoke with. I still see the claim status as “on hold” pending documents today. Crazy. If they deny this claim I’ll be calling a lawyer for full reimbursement of all payments sent.

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  • author
    Jeannie Monroe
    May 09, 2022
    This is how insurance should be

    This is how insurance should be- no, it isn’t necessarily cheap, but a fair cost- we pay our annual premium and when it’s time to submit a claim we simply upload the paperwork and we get our percentage of reimbursement back. It has been simple and fast each time we’ve had a claim. There are no surprises and no long waiting period.

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  • author
    Haley South
    May 09, 2022
    Good first experience!

    Filing the the first claim too a while, due to my vet being slow to send records, but once Embrace received records it took about a day to process my claims and then maybe 1 to 2 days before my reimbursement hit my bank account. So far its been a good experience with Embrace and I would recommend to other pet owners.

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  • author
    Sue E
    May 09, 2022
    Great service on claims

    We filed 2 claims electronically (for dental cleaning and wound care) and were notified of the results within a week. We were pleasantly surprised to learn that some parts of the dental procedure were covered as dental illness, apart from the wellness portion of coverage. When I contacted customer service about the other claim, the Embrace representative explained the results in a very friendly and satisfactory manner.

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  • author
    Marty Farmer
    May 09, 2022
    Call, don't email

    Although I didn't hear back thru email after almost 3 weeks I did finally get through via phone and I was very happy with the service I received. So I highly suggest that you call and not email if you want a response.

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  • author
    Gus
    May 09, 2022
    Clear concise communications

    Clear concise communications, professional responses verbally and written communication. Claims were handled very quickly. Thank you!

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  • author
    Mrs. Murphy
    May 10, 2022
    Horrible…

    I left a high review after my experience of easily submitting a claim. What I did not count on, was how IMPOSSIBLE it would be to get my claim processed. In spite of completely submitting not only visit notes, but including an unremarkable medical history, because my puppy has never had anything other than healthy pet and vaccines, my claim was put on hold for not having medical history. Nothing I could do would change this. I could not include a history to show any prior conditions because there was none. Out of frustration, I cancelled our policy and would give 0 stars if I could. As for the reply. I can add that these people are also illiterate. There WAS NO pre-existing condition. This was a puppy that had been insured with EMBRACE for 7 months. Frankie is now a healthy 11-month-old Brittany. She was treated for ENTERITIS -- a condition you get when you eat something bad and get diarrhea! No one wanted to look at the vet notes, I guess. Each visit was listed by date as "Healthy Pet" and a corresponding date for puppy vaccinations. We have additional dates for weigh-ins because I monitor her growth. This is a case of willful denial. How can you provide information about a pre-existing condition if none existed, and the condition treated isn't predicated by one? Again, these people suck. I have a conformation dog and I want you people to know that I am spreading the word in my world to avoid your comany. Your idiotic response and lack of effort to even try to remedy the situation just proves I am right. People, don't waste your money with this coverage. It's not insurance, it is bait and switch, false advertising, a sham. And if you want to resolve it as indicated below, pay the claim. I don't have an hour to wait on hold. I gave up on that already. I have filed a complaint with the Better Business Bureau. Just pay 80% of my vet bill and be done with it. It was only $150. Not a lot, but apparently too much for you to want to pay.

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  • author
    Cheri Stevens
    May 08, 2022
    I love Embrace Pet Insurance

    I love Embrace Pet Insurance! I love that I know that my pets are taken care of when something happens and it doesn’t make me go completely broke.

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  • author
    Kaye Crux
    May 08, 2022
    My experience with Embrace for the last…

    My experience with Embrace for the last 5 years has been excellent! Even when submitting Vet Bills can seem difficult, the Embrace teams to find a way to explain to me why some billings are paid or not paid. I've been taken care of each time most importantly my dog Starla is their top agenda for care!

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  • author
    Kent Parajon
    May 08, 2022
    Peace of mind

    Did a lot of research on what pet insurance would work best for my Corgi and all the signs pointed to Embrace so I signed my dog up. I called and the gentleman that handled signing me up was extremely professional and walked me through everything I needed to know. The follow ups from Embrace to make sure sure I was happy with my plan meant a lot. My vet submitted my dog's orthopedic form after checking him out and Embrace sent me an email the following day that my dog was good and did not have to wait the five months waiting period for claims concerning orthopedics.

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  • author
    David S
    May 09, 2022
    Complete trash and waste of money

    Complete trash and waste of money. They never cover anything and just keep telling me to pay even more for a wellness package. Absolute trash. edit: no need to contact them again. I already have and they aren't helpful.

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  • author
    H Hernandez
    May 07, 2022
    My boxer (Bruce Lee) swallowed a rubber…

    My boxer (Bruce Lee) swallowed a rubber duck and needed emergency abdominal surgery to remove it. After receiving the bills from the vet and the emergency hospital, I submitted them online and received a reimbursement approval in less than two days. It was truly the easiest process I have experienced; one less thing I had to worry about while taking care of Bruce Lee as he recovered. Thank you again for providing such fast and great service!

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  • author
    Oressa Shea
    May 07, 2022
    Billing experience

    The turnaround was excellent! I was glad they still allowed my sending in bills for a claim. Not computer savvy to completely do claims on the computer. Thank you.

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  • author
    Luke Jones
    May 06, 2022
    Embrace is amazing

    Embrace is amazing! Great customer service. I had a pretty pricey pet bill. My Claim was approved within 3 days of filing. 3 days Later I received my reimbursement in the mail!

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  • author
    Rich McElfresh
    May 06, 2022
    Great customer service. Terrible wait times.

    I called in to cancel a policy on my pet who passed away. The representative was very kind, respectful, and did her job very well. I have zero complaints about the customer service. My only issue I have with the company is with the amount of time it takes to reach a representative. I sat on hold for 50 minutes. Not ideal especially when you’re grieving from a loss.

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  • author
    John Williams
    May 06, 2022
    Embrace USED to be good..No more!

    Embrace USED to be good but now that they have me trapped because I have 2 8 year old beagles, they jacked up my rate almost 200 dollars A MONTH. Why, because my dogs are older and Embrace knows that no other insurances will take on senior pups? In 8 years, my dogs have had nothing more than the occasional ear infection. Where's the discounts for prime customers that have not taxed Embraces precious money reserve, which by the way, comes from us!!

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  • author
    BK
    May 05, 2022
    Not a happy customer!

    Had my first claim with embrace and so far I'm very unsatisfied! Of course it was denied. My Doberman got her paw smashed in the gate. I took her to the vet because it was a bit red between her toes. When I submitted her claim it was denied because I didn't submit an orthorpedic report. My dog has been checked and is OFFA certified by orthopedic experts to be good!!! Anyway, how is a hurt paw an orthopedic issue?!?! When I tried to call to get this straightened out I was on hold for 46 minutes! When I finally got through I was told they were going to review my claim again. Now I'm getting emails asking what name she was under at University of Illinois! She has never been to University of Illinois or even to Illinois!!!! I'm assuming all pet insurances are the same. This is the reason I didn't go with TruPanion again and so far Embrace is even worse. At least I never sat on hold when I was with TruPanion!

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  • author
    Cat Woman
    May 03, 2022
    Embrace has kept all their promises…

    Embrace has kept all their promises since signing up. They cover more than any other pet insurance plan I have researched. I’m always paid within 2 weeks (though I wish it was sooner, but I can’t be too picky). They have an easy claim submission process online and anytime I have had a question they always get back to me within 24 hours. They seem very organized. Don’t forget to upload all of your pets records in the beginning pre certification period and followup with them if you have pending claims. They will look into it for you and expedite things.

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  • author
    MATT R
    May 03, 2022
    Consistently Diappointing Experience with Embrace

    Embrace was recommended to me when I adopted my cat. They seemed to immediately act like a non-cooperative insurance company and aggressively deny almost all claims. When my cat injured himself and, additionally, developed a condition which was not pre-existing, Embrace denied almost every item on every claim, resorting to a blanket pre-existing default reason, when, those conditions were clearly not caused by a prior condition and resulting in me having to cover several thousand dollars of out-of-pocket procedures while the Vet was attempting to treat him. I made a mistake by selecting Embrace and would let anyone know who is considering pet insurance to steer clear and investigate having their pet covered by another pet insurance company's policy.

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  • author
    barry simon
    May 02, 2022
    Incredibly easy to use/ timely direct…

    Incredibly easy to use/ timely direct deposit payments/ pays without debate or challenges. Too bad human insurance doesn’t within well

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  • author
    Tanya
    May 02, 2022
    Finding out our dog was sick was an…

    Finding out our dog was sick was an awful experience. It was so mind numbing that we didn't even think about the insurance until a couple weeks later. We then submitted all our invoices quickly and online (super easy process) and I heard back for each and every claim within a few days. Embrace covered so much more than I expected with clear explanations -the whole process was simple and easy - giving me time to focus on my pet. We can't thank you enough!!

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  • author
    Alex Katsilometes
    May 02, 2022
    Very helpful

    Very helpful, answered all of my questions. Explained the claim process. Very satisfied!!

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  • author
    Brad Winter
    May 02, 2022
    Embrace is an amazing company to work…

    Embrace is an amazing company to work with. The employees are very professional and they believe in reinvesting in the community.

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  • author
    customer
    Apr 30, 2022
    We have been embrace pet customers since 2014

    We have been enrolled and embrace pet insurance since 2014. As long as you submit the correct documentation in a timely manner they are excellent with processing claims. They are Embracer‘s are kind, efficient, compassionate and knowledgeable. We just recently rescued another dog and enrolled him right online- we decided to add wellness coverage the following day and Embrace was very helpful and handled the policy change quickly.

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  • author
    DANIELLE KRALJ
    Apr 30, 2022
    Submitted a claim 3/23/22 and it was…

    Submitted a claim 3/23/22 and it was approved. Still have not received payment though on 4/30/22.

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  • author
    christine
    Apr 29, 2022
    Be very careful with Embrace

    As all insurances companies exist with the sole intention of denying as many claims as humanly possible, this one is no exception. We were literally within "hours" of the time period required for the policy to go live, and they denied us. We felt that they were truly "splitting hairs." Several emails and conversations with them yielded elusive responses, coupled with extensive instructions about how to file an appeal. Certainly those details were also intended to discourage the average person, as they were involved and time-consuming. There was no effort to understand the unique circumstances we found ourselves in with a new puppy, even though I went to great lengths to explain. Also, we received a card in the mail indicating that our prescriptions are covered, so when I inquired about that, again, I received a convoluted, roundabout reply. Again, the bottom line was they were not interested in applying any logic or human element of understanding. We were not sure what was going on with our new puppy, and neither was the vet, so he erred on the side of caution and prescribed meds. We later discovered there was no need. In any event, the entire lame experience was all about "pushback." We spent a great deal of money and received nothing in return.

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  • author
    Mary Badame
    Apr 29, 2022
    Excellent

    I have had great experiences with Embrace. All my ER visit were covered (MIND YOU THEY WERE NO PRE EXISTING) so far if something new happened - new injury or illness I have had no problems at all. they will not cover pre-existing which my one dog as but once they clear after 1 year with no symptoms they will cover it Plus i like the bonus rewards you get which helps. very pleased

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  • author
    Stephanie Cooper
    Apr 29, 2022
    I had a kitty that was a family member…

    I had a kitty that was a family member for over 15 years She had stage 4 kidney disease and passed away. We had been dealing with this for about a year and she had more good days than sick days, our vet was/is terrific! We had several claims and they were all paid in a very timely manner, ofcource we miss Libby, but because of Embrace we were able to afford the care she needed.

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  • author
    Lyn Lawrence
    Apr 29, 2022
    This company sent numerous emails and…

    This company sent numerous emails and letters threatening to cancel my policy even though I updated my payment source TWICE and they processed payments for past 2 months. They have no idea how to run a business and I would not use them.

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  • author
    customer
    Apr 28, 2022
    Above and beyond

    They are short staffed so you wait on the phone BUT once they get to you the customer service is outstanding! They answer your questions and follow up promptly. I couldn’t be more impressed.

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  • author
    Margo Harding
    Apr 27, 2022
    EMBRACE HAS BEEN SO EFFICIENT AND EASY…

    EMBRACE HAS BEEN SO EFFICIENT AND EASY TO WORK WITH. THEY ARE SO ACCOMODATING AND CARING. IF ONLY MY PERSONAL HEALTH INSURANCE WAS AS EFFICIENT AND CONCERNED!

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  • author
    Don Willis
    Apr 26, 2022
    Excellent service very nice people.

    Dog needed emergency surgery. I’m so glad I chose Embrace. Excellent service and response. Very nice support people to talk with.

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  • author
    Susan Kellogg
    Apr 25, 2022
    My dog needed to have an ultrasound…

    My dog needed to have an ultrasound done, and I was glad to have it covered by Embrace. I received payment back soon after it was done.

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  • author
    Michael Lask
    Apr 25, 2022
    Embrace is the worst pet insurance I…

    Embrace is the worst pet insurance I have ever had! Do not be fooled by their price and coverage! They are the epitome of what insurance companies' true intents are. They want to take your money and when it's time for them to pay up they will try to find every loophole in the book not too. I went with embrace because they are partnered with USAA. NOT THE SAME SERVICE! Embraces policy states that your pet will need to have had a medical evaluation at least 12 months prior to or two weeks after activation of service. If this does not happen then any accidents will have a two-day waiting period, illnesses will have a 14-day waiting period and orthopedic issues will have a six-month waiting period. But their policy also states that if the evaluation does not happen your coverage will revert to accident only. Very confusing... on purpose I am sure. My pet insurance was activated on the 15th of March. On April the 4th my dog was attacked by two strays who were walking the streets unleashed. After taking my dog to the emergency room. I filed my claim with embrace and they stated that they were not able to get a hold of my veterinarian so they needed me to send his medical records so that I may be reimbursed. When I sent them the records they refused to reimburse me because my vet had not completed a medical evaluation due to his aggression. Of course, I did not know this but it should not matter the two-day waiting period had passed!. He was seen by my vet, I thought I was good. My dog being attacked is not a pre-existing condition so I do not know what the problem is? My dog is a very loving dog he just does not like to go to the vet and admittedly so needs to be muzzled to go. Now Embrace is sending me emails about how since he is labeled as aggressive they will not cover him at all! To me this is plain and simple there is no medical evaluation but the two-day waiting period has passed so he should be covered.

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  • author
    Wanda Drago
    Apr 23, 2022
    Happy Embracer!!!

    I have had Embrace Pet Insurance for a year now. Their portal is easy to upload and follow the claim and their service has been excellent. It does not matter who you speak to when you call up they are courteous and friendly and everyone of them have pets (that I spoke to) and understand and sympathize with whatever is going on. I highly recommend this company! My personal experience with them has been outstanding.

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  • author
    Linda
    Apr 23, 2022
    I have had embrace insurance for all my…

    I have had embrace insurance for all my dogs. They are great

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  • author
    Mandie Benner
    Apr 23, 2022
    5 Stars from start to first claim

    The policy covers more than my previous plan did with lemonade for my dog. It's more affordable too. Great customer service and the first claim was so easy to submit. Will update once I get the response to the claim.

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  • author
    Dachshund Owner
    Apr 22, 2022
    So far very happy with Embrace!

    I contacted Embrace while my dog was at the Emergency Vet and let them know what the Vet said is possibly going on with my dog. Embrace responded via email within the hour notifying me that they were "pre-approving" his predetermined diagnosis and would accept the claims. We paid for the vet bill out of pocket but submitted the final bill to Embrace the day he was discharged. Within 12 days we received our check in the mail for the portion that Embrace would pay. I also contacted them with follow up questions after submitting the claim. Kind of drilled them with questions (in a very friendly matter) and was very content with all answers I was given. I more so was wanting confirmation to my questions. I have never purchased pet insurance and this was the first time I've ever used it. I'm thankful we have Embrace insurance, will continue to carry it on two of my pets, and recommend it to anyone if you're considering.

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  • author
    Beth
    Apr 22, 2022
    Embrace Pet Insurance

    Our first time needing to use our Embrace Pet Insurance .. excellent experience! Easy to use and I was reimbursed the appropriate amount within 48 hours. Highly recommend!

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  • author
    Taylor Gentile
    Apr 20, 2022
    We are newer to pet insurance so the…

    We are newer to pet insurance so the coverage seems to compare well with other pet insurance offerings that I have come across. I haven't done much research into other offerings since a friend recommended Embrace to us, so to be honest I am unsure if there is better coverage our there. The App user experience has improved over time, as it was a bit difficult to navigate and file a claim when I initially signed our dog up for coverage (June 2020). Since then it's now an easy screenshot of our invoice and a submission that takes less than 5 minutes. I don't currently have plans to make any changes, but may next year depending on premium per month cost.

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  • author
    Devastated Dog owner
    Apr 26, 2022
    This insurance is a joke and refused to…

    This insurance is a joke and refused to pay for my dogs cancer treatment and surgery after repeated appeals with appropriate documentation from my veterinarian to back up the fact that the decision was wrong. They keep claiming that polydipsia (increased thirst) that she developed after dental surgery is the only preexisting condition she had, which has since resolved and therefore resulting in refusal to cover treatment. Would not recommend to anyone.

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  • author
    ANDREA J Ayala
    Apr 20, 2022
    Denial of claims based on incorrect information

    First, let me start by stating that I have had a TERRIBLE time with Embrace. My dog Otter was diagnosed with neck pain, and the two claims (from an emergency vet and his primary) were denied because he was in his orthopedic waiting period. When my vet appealed, they were still denied, because it might be orthopedic. When he was taken to a neurologist (claim #3 – for the same issue, now to a specialist), and they found meningeal enhancement (and even performed a spinal tap to determine the cause), they denied the claim – why? Pre-existing condition – of a neurological issue that might be orthopedic (but is clearly not). How do I know? Because I have a PhD from the UGA College of Veterinary Medicine, and I reviewed meningeal enhancement (the diagnosis), which is undoubtedly a neurological issue. The neurologist even wrote that there was no orthopedic involvement in the notes! How does a neurological issue of meningeal enhancement that starts four months after the policy started become “Anxiety and Abnormal Behavior” to the claims adjuster, which are conveniently not covered? Otter is doing better now after a course of prednisone, many thanks to the neurologist that treated him and absolutely no thanks to Embrace.

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  • author
    James Prybyla
    Apr 20, 2022
    Pre-Certification was approved quickly

    Pre-Certification was approved quickly, your staff was outstanding and very helpful and concerned about Me and mostly Braxston. The surgery went well it was 3 hours. His boot was on for 22 days, Braxston healed well but still has a limp the vet it will take a few weeks before the limp disappears. (knowing Braxston he will play it for a while). Thanks again to your staff Derek, Stephanie and to Jenn who took all my question and even called me at my request. Reimbursement was was received na timely manner

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  • author
    Denise Morrison
    Apr 20, 2022
    Peace of Mind

    I had just signed up for Embrace two months ago to cover a family of 3 cats that appeared at our home and made their way inside. The young male suddenly developed a kidney infection and had to stay at the vet’s for over three days, not to mention lab work, fluids and everything else. Knowing I had Embrace allowed me to work with the vet more freely to say “yes” to additional labs. I was already worried about Mowgli- so I was glad I didn’t have to worry about ending up with a giant bill. Mowgli is now back to full health, and so is my bank account thanks to Embrace. They covered everything they said they would, which was a big relief.

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  • author
    Niazi Hoxha
    Apr 20, 2022
    This company is a FAKE

    This company is a FAKE. They just going to take your money and not help out with nothing. The staff is annoying and they have 0 patience. Theyre policy makes no sense, they dont cover nothing. Even though it states that the insurance covers accidents it DOES NOT. My cat died and they didnt even listen to what we had to say they just shut us down and said they cant help us. Totally would not recommend, do not make the same mistake as me. Find a better insurance company for your pet

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  • author
    Alex
    Apr 20, 2022
    EMBRACE IS INSURANCE FRAUD

    YOUR DOG BETTER NEVER GET SICK AND BE 1000% healthy for the rest of their life, NOT EVEN WORMS! Nothing is covered! ANYTHING AND EVERYTHING IS A PREEXISTING CONDITION AND WONT GET COVERED. So example basically, if your dog is totally fine and pulls a muscle from running around one day, they will deny your dog coverage as PERMANENT PREEXISTING ILLNESS AND WILL NEVER, REPEAT NEVER, cover any claim from there on out. DO NOT GET EMBRACE. On top of that, they make you pay over $500 TO CANCEL THE INSURANCE! I’ve spent twice the amount of money paying for insurance AND paying for medical expenses that aren’t getting covered bc of the damn “insurance”. You are better off just putting away $80 a month into your own savings account and using that money later bc you will be spend TWICE the amount paying for insurance that WILL NOT COVER OR REIMBURSE YOU and you still to pay the vet bills bc the insurance won’t cover it. My biggest regret ever. The positive reviews is false advertisement as they are posted by the employees themselves. I was told not to go to Embrace but I did it anyways and it’s cost me over $1,500 bc I got Embrace when I could’ve just paid the $300 vet bills myself and be done with it. With Embrace, you are OVERPAYING. They lead you to believe you are doing the right thing by having coverage but it’s worthless bc they deny all claims. DO NOT GET THEM. IM REPORTING THEM TO BBB FOR INSURANCE FRAUD. YOU ALL ARE FRAUD AND YOU KNOW IT OR THERE WOULDNT BE SO MANY NEGATIVE REVIEWS. I will be reviewing EVERY negative review Especially the preexisting claims bc THERE SEEMS TO BE ALOT OF THEM WHICH IS A HUGE RED FLAG FOR FRAUD. I will personally REVIEW each one and file a formal complaint against you guys with your own customer experiences as proof.

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  • author
    Rand Robinson
    Apr 19, 2022
    Sharp Premium Increases

    Well, i was quite happy with Embrace, years of looking after my 10 yr old lab, but last week they told me they would increase my monthly premiums by as much as more than 300%?!, close to $200/month, so i am absolutely now looking for another provider. How they can spring that kind of increase in months premiums really perplexes me..a gradual increase in costs over years is fine but..this..no i don't think so.

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  • author
    Denise Hansen
    Apr 18, 2022
    I signed up for insurance and discovered some coverage is not provided

    I signed up for insurance. They said I was immediately covered and asked for records. We had an appt before they reviewed the records. A pricey dental. Come to find out they denied payment because somewhere in his records the vet stated my dog needed a dental. Bottom line - get a full review of your records BEFORE you schedule an appt! Just because they say you’re covered immediately doesn’t mean they pay for it. A bit misleading and they are very strict with record interpretation!

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  • author
    Jeremiah H.
    Apr 18, 2022
    Very easy to use app and process for…

    Very easy to use app and process for submitting claims. I haven’t had any “issues” or been challenged by a submitted claim so I’m not sure how the process would change in that event, but so far it’s been a great experience.

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  • author
    Laura
    Apr 18, 2022
    I’ve had Embrace since my Rotti was a…

    I’ve had Embrace since my Rotti was a four month old puppy. Never had to use it. Until my Sadie came down with diabetes on 2/15/22. After my deductible of 500.00 , I was using it every month for curves at my Vets. Then one day she started limping, and well, in a span of three days she was at emergency vet critical care . Her leg had become infected beyond our imagination. She had an abscess, then sepic. The bills were very large. Well, unfortunately our Sadie had to be put to sleep. But Embrace paid us every penny we were covered for. And they paid very quickly, making a devastating situation a little better.

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  • author
    Diane Bodle
    Apr 18, 2022
    Embrace came through as they said they would.

    Our 12 year old Golden was diagnosed with pancreatitis then hospitalized for a day on intravenous fluids. He bounced back for several days, then lost strength. Went to ER where more blood work was done then ultrasound found a large bleeding mass on his liver. Nothing could be done and we made the decision to let him go. We filed claims with Embrace and they were approved in a timely manner and funds were sent. We recommend Embrace for anyone looking for pet insurance to help with costs of health care.

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  • author
    Amanda Alvin
    Apr 17, 2022
    I can't be happier with Embrace

    I can't be happier with Embrace. Three process was incredibly easy, easier than any insurance claim I've ever had. I'll be using them for all animal insurance needs!

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  • author
    Anonymous PA traveler
    Apr 16, 2022
    Excellent customer service and fast…

    Excellent customer service and fast claims processing. Best investment in my pet’s health!

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  • author
    Laura Criscitelli
    Apr 16, 2022
    Easy claims process, even easier reimbursement

    I recently had to put in 3 back to back claims - all pertaining to a singular an incident in which one of my insured dogs ate a rock. The claims process was extremely easy. I used the app portal on my phone, uploaded all 3 invoices under separate claims and all 3 were reviewed and paid out (minus my copay and deductible) within a week. I have been extremely satisfied with Embrace in the 2+ years I have been with them.

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  • author
    Jason Mobarak
    Apr 15, 2022
    Scam with preexisting conditions

    Scam with preexisting conditions Make sure your pet has 12 months with a clean bill of health (that can be proven with records from your vet) before you apply otherwise any preexisting condition and ANY "clinical signs" (meaning anything that could potentially be attributed to the preexisting condition, even if it's caused by something else) will be used to deny your claims. My dog has a preexiting condition (Cushings) and Embrace was not upfront about the fact that this disease basically allows them to deny most of my claims because it has such a huge list of "clinical signs". The dog had a knee injury and a few thousand dollars worth of vet bills, any vet bill that had a mention of a clinical sign from Cushings was denied, even though all complications where precipitated by the knee injury. If the company was upfront about this and had not taken my money for 3 years I wouldn't be as furious as I am now.

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  • author
    Dan Richardson
    Apr 15, 2022
    What a con! Avoid.

    $500 to $900 for thesame service, how, why, wait what?! Honestly just avoid these charlatans. I was astonished to learn that after being a customer for the last two years, having never missed a payment and Embrace rewards me by doubling my premiums over the last 2 years. BTW I went online to get see what a new quote would be as a new customer, and the price was? you guessed it $500 for a new customer for EXACTLY the same service!! This is a despicable practice, and I wonder how many other embrace customers (victims) are falling into this trap. They have auto-renew on your account, and when you try to call them to ask questions or cancel their customer service team is never available to take calls, but if you call the sales line number they answer IMMEDIATELY! Naturally the sales team "has no idea why this is the case and we can only help sell you a new policy not help with existing ones" This is seriously bad practice. I have now been waiting in line for over 2 hours and NO ONE has answered the phone. I am sickened by this practice. I would seriously consider avoiding them and I am genuinely surprised how this outfit claims it is the #1 provider. They don't care about anything other than taking your money and leaving you in the dust! Such a frustrating company to deal with.

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  • author
    angel moya
    Apr 13, 2022
    love embrace pet insurance

    love embrace pet insurance. great price and coverage

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  • author
    Sarah C.
    Apr 13, 2022
    Disappointing

    So disappointed with Embrace Pet Insurance. I signed up 10 months ago and submitted my first claim for a $30 medication prescribed by my vet. I received an email saying that my claim would only be processed once they received detailed medical history from all veterinary offices where my dog was examined 12 months prior to the start of your policy through the end of the waiting period. A month later, I was informed that my claim was denied and that additional exclusions were added to my policy. Very disappointed that this was the result for a $30 insurance claim, which made me lose all confidence for any future claims, especially for major injuries. Needless to say, I am no longer an Embrace customer.

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  • author
    Heidi Morris
    Apr 12, 2022
    Embrace Pet Insurance huge disapointment

    Embrace Pet Insurance was a huge disapointment. When my puppy was 3 months old they had an episode of vomiting that was very expensive to treat. So I decided to get pet insurance with Embrace. I submitted one claim in the first 5 months of coverage (for a potential payout of around $800) for another vomiting issue. Over the next 7 months I was constantly calling and emailing and uploading the same documents they'd request again and again, all the while saying they still needed more information and past records when I had already given them everything. It was a tremendous stress on myself and clearly not worth it as I never was reimbursed. I cancelled my coverance plan. Do NOT use Embrace.

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  • author
    Vanessa
    Apr 11, 2022
    If you don’t get pet insurance from the…

    If you don’t get pet insurance from the time your dog is born then they won’t cover anything. I got insurance with them when my miniature schnauzer was 8 months old and they consider things like vomiting a temporary pre existing condition and if he has it again it can become permanent etc. They don’t make it clear that even without a formal diagnosis they can prevent things from being covered even when you don’t have a known problem yet. They also will make up any excuse to not cover something like I submitted a claim for my dogs specialist appointment for pancreas issues and I almost wasn’t going to since they decided he has pancreatitis prior to ever being diagnosed but I did. They came back and told me it won’t be covered not because it’s a pancreas issue but because he had giardia 10 months ago and the specialist listed it in his history. That had nothing to do with why he was there and then they make it a permanent preexisting condition. It’s a lot of BS and I don’t recommend them.

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  • author
    Joan Sitler Welte
    Apr 11, 2022
    Long-time Embrace Customer

    I have been with Embrace Pet Ins. for my 2 dogs for quite a few years and have always been satisfied with their customer service and payments. I had tried a few other different pet insurances in the past, but once I found Embrace I stuck with them and have never regretted it.

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  • author
    Melvin
    Apr 10, 2022
    I wish I knew about their practices of…

    I wish I knew about their practices of turning down pre-existing conditions. I had a policy with Embrace for two years and they use the pre-existing conditions. USAA members stay away from them, They are a horrible company.

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  • author
    Kristina Allen
    Apr 09, 2022
    Excellent cost to payout ratio

    Embrace pet insurance was SO worth it. The price to payout ratio was incredible. Our cat, who we adopted at 14 years old in perfect health, developed a severe oral disease that caused ulceration and lesions to develop on her tongue. I had gotten pet insurance for $34/month just as a precaution since we developed a senior cat. I am SO thankful now that we got Embrace. After our first year we added wellness rewards and paid $82 a month. Ultimately after over a year of fighting, our cat gave up and had to be put down. Embrace covered her euthanasia, cremation, and keepsakes 100%. Embrace is a wonderful pet insurance company.

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  • author
    Kathy Hinding
    Apr 07, 2022
    Very prompt response to claim

    Very prompt response to claim. Very thorough explanation of benefits. Please with my interactions with Embrace. Easy company to deal with.

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  • author
    Pablo Fuente
    Apr 07, 2022
    The right choice

    I recently signed up, all went super smooth. Unfortunately, my dog passed after 3 days. They cancel the policy and return the money in one day, and even wrote me a super thoughtful note. Great experience.

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  • author
    Xiomara Fernandez
    Apr 07, 2022
    Pet Insurance is a MUST

    I could not be happier with Embrace Pet Insurance. My yorkie was mauled by a pit bull and required emergency surgery. She had a ventral hernia (her intestines were ripped out of her abdomen) and necrotic bowel from the dog bite which required a bowel resection. It was an awful experience and very traumatic. I was so relieved when I remembered that I had a pet insurance policy. The representatives were very friendly and guided me through the whole process. I gave 4 stars instead of 5 because it took a little over a month to get reimbursed. I wish that happened faster. Overall, highly recommend. Accidents/Injuries are costly and pet insurance is a must!

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  • author
    Gene Meinen
    Apr 07, 2022
    Great timely claim service and quick…

    Great timely claim service and quick payments.

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  • author
    Steven
    Apr 06, 2022
    Saved us thousands

    We have had embrace for 4 years and never had needed it. My dog had emergency surgery recently and we weren’t even sure how embrace would cover. They were so fast in covering everything in our plan. Gave a clear explanation on why it wasn’t covered. Embrace saved us thousands of dollars and it was so easy to use the app and submit all the claims.

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  • author
    Marc Erwin
    Apr 06, 2022
    Embrace Pet Insurance is HORRIBLE

    Embrace Pet Insurance is probably the most aggravating consumer product I have ever purchased. At a time when your pet child is severely hurt, and you've paid out thousands and thousands of dollars in vet bills, and you can't stop crying, some junior moron they've employed keeps demanding ever more proof that there were no loophole "previously existing conditions" that could get them out of paying my claims. They were mercilous and relentless in trying to do this. One girl wrote me an e-mail demanding records from a date a long time before I purchased their policy. I had those records available, so I sent them. The company sent me a notice two days later, saying those records were from before I purchased their policy!!!! Well, I knew that, so why in the world did their employee demand those records????? Actually, before I bought their policy, they claimed THEY would do the contacting of my vets, but I got many demands from them to contact my vets myself for information FOR THEM when they were digging for preexisting condition information. Liars! The FINAL STRAW was when one of their stupid underlings tried to claim a ridiculous preexisting condition would negate their paying nearly $6000 worth of cancerous bone claims because I had my vet freeze off a SKIN WART!!!!! Really!!!! After I threatened legal action and getting the state Insurance Commision involved, they FINALLY paid, with no apology, no anything for all they'd put me through. Just horrible. I still cry nearly every day, not because my sweet greyhound had a leg amputated, but because she only has a few months to live. Embrace pays for her chemo therapies, but these rotten creeps sent me notice that they will NOT be paying for her some of her sister's future problems due to made-up preexisting conditions!! Her greyhound sister is covered on the same policy, and although I have made NO CLAIMS for her, they went right ahead and did a major investigation on this dog's medical records WITHOUT MY PERMISSION!!!!! This company is UNBELIEVABLY HEARTLESS.

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  • author
    Alan Shelvey
    Apr 06, 2022
    We are very happy and thankful to have…

    We are very happy and thankful to have Embrace Pet Insurance to support the care of our beloved pets.

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  • author
    Timothy Swavely
    Apr 06, 2022
    This is the first pet insurance company…

    This is the first pet insurance company we have used and it has been an excellent experience! I recommend Embrace to all my pet parent friends!

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  • author
    Kris Aguilar
    Apr 06, 2022
    Call wait time

    Will rate excellent once they implement a call back feature so I don’t have to wait on hold for 30 minutes.

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  • author
    A. K.
    Apr 05, 2022
    We can’t thank Embrace enough for their…

    We can’t thank Embrace enough for their support now and in previous years. They are absolutely fantastic and we are forever grateful! Knowing that we can walk into the vets office, that we don’t have to make a decision based on finances, is a big relief. Thank you, Embrace!

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  • author
    Scott
    Apr 04, 2022
    They are very helpful with the process…

    They are very helpful with the process of claims filing and helping with our dog Doll

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  • author
    Jeremiah Hobbs
    Apr 04, 2022
    Embrace Paid out each claim I have had…

    Embrace Paid out each claim I have had with no questions. Exactly what I am looking for in an insurance company.

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  • author
    Johnnie Newton
    Apr 04, 2022
    My first claim on a policy held for…Ragamuffin

    My first claim on a policy held for several years. No complaints, whatsoever. The submission was painless, all on line, done in just a few minutes. The check arrived in the mail just a couple days later.

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  • author
    Michael Valinis
    Apr 03, 2022
    Always satisfying

    I have always had satisfying experiences with Embrace, whether they be happy occasions like a new puppy’s first visit or something heartbreaking like dealing with a dog’s terminal illness. The fact that all their representatives are themselves pet owners is reflected in the way they can relate with others. On a more practical note they are always finding ways to see that my coverage gives me the greatest benefit, something I greatly appreciate.

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  • author
    Karen Martin
    Apr 02, 2022
    Don't waist your money

    Don't waist your money. Insured a puppy at 10wks. No health issues, followed the policies. They paid absolutely nothing out of 2 claims.

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  • author
    Brenda Kirby
    Apr 01, 2022
    Excellent website

    Excellent website, making it easy to submit vet bills and receive coverage. Has been very helpful and the insurance is well worth having.

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