Name: Embrace Review
Item: Embrace
Author: Bestmoney Staff

Embrace Review

ByBestmoney StaffDec. 30, 2020

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In a Nutshell

Embrace offers A+ customer satisfaction with full coverage for accidents, illnesses, and hereditary conditions. The plans are customized for you, and Embrace donates money from each new policy towards animal charities.

pros

Congenital condition coverage
$50 off your deductible for each reimbursement-free year

cons

Some exclusions are quite broad
Wellness is extra

Embrace 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 Visit Site

Embrace customer testimonials

Excellent•Reviews 396

Excellent

73%

Great

Average

Poor

Bad

11%

Tracy Jaffe
2 days ago
Quick, fair claims process
My claim was processed quickly and fairly.
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Benjamin Campbell
2 days ago
We have been members for several years…
We have been members for several years and am impressed with Embrace’s efficiency. So much so, that we have referred several friends and Embrace.
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L.Johnson
4 days ago
Embrace Pet Insurance is great
Embrace Pet Insurance is great. We are quite pleased so far after being a client for over a year. Some things could run smoother however, such as claim forms being more detailed, and claim processing time being less. Should have claim forms for accidents, and a separate one for illness. The Wellness Policy is fantastic. It takes care of my pet grooming and medications. THANK YOU EMBRACE PET INSURANCE.
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James Marcinkowski
Apr 15, 2021
My cat Bella required several medical tests.
My cat Bella required an Ultrasound under sedation and a biopsy also under sedation as well as x-rays and bloodwork. All this was covered under the policy and deposited in my bank account very quickly. Very good customer service. The policy saved me several thousand dollars in medical fees. I was very impressed.
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Jennifer Gosselin
Apr 14, 2021
A BIG THANK YOU TO EMBRACE PET INSURANCE!!
My 3 year old GSD decided to swallow a pretty large piece of a Kong plastic toy. He became very ill and needed emergency surgery. We knew that this was going to be very expensive. He stayed at the hospital for 2 nights. The claim was submitted when he got home later that night. The next morning the Embrace representative emailed me that the claim was processed and approved and the funds would be in my account in 2 business days. We could not believe how quickly and efficiently the claim was processed! We highly recommend this company and cannot say Thank you enough for taking the worry out of this very stressful situation.
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Gabriela P.A.
Apr 11, 2021
Making a claim
The process of making a claim is fast and easy with the new program. All I have to do is input my invoice and the diagnosis my babes vet gave me and done. I wait for a response and then receive a reimbursement within a couple of weeks, one less worry! If something goes wrong I give a call and all representatives have been nice and informative. I am very grateful for choosing embrace!
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KC
Apr 11, 2021
first-time user of pet insurance
I have just started using this pet insurance - or any pet insurance - but for the most part I have found their claims process to be reasonable and as expected. They do take into account pre-existing conditions in a logical manner and they do give credit where credit is due. I had a lot of appointments for my pet already and I used up the deductible, in which case they did quickly send me a check for the amount over my deductible. They were a bit slow at times, due to COVID delays, but otherwise receptive, professional, and friendly - and like I said, the check came in the mail quickly.
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Marjorie White
Apr 09, 2021
This is a great insurance
This is a great insurance. Claims quickly processed, staff very helpful. I highly recommend this insurance.
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Susan Tasaki
Apr 09, 2021
Best in Show
Because I've spent 20 years editing articles on dog care for magazine publication (and doing a whole lot of fact-checking), I did extensive due diligence before purchasing an Embrace policy for my middle-aged dog. Embrace was (and is) the best choice for my particular needs. The company's policies are clearly stated and their requirements are unambiguous. It's easy to file claims online and their response time is good. I recommend them.
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Leigh Anne Harden
Apr 09, 2021
Quick, easy, reliable service!
Embrace and super easy to use, and quick in their responses. We’ve had good experiences having medical expenses covered and no issues or complaints! Highly recommend!
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Korina Meads
Apr 06, 2021
Easy, quick, and straight forward
Working with Embrace has been very straight forward from the beginning. No surprises which was a must for me. Submitting claims is very easy and response time is really fast. I am very pleased!!
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Christine Wheeler
Apr 06, 2021
All customer service reps I dealt with…
All customer service reps I dealt with were helpful and courteous. Embrace kept me up to date on the status of my claims. Received a check in a timely manner. I’m delighted that Embrace is affiliated with USAA!
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Julie Mignone
Apr 05, 2021
Thank you for truly caring
We have just experienced the worst thing ever for a pet parent. Our fur baby was only eight months old when we lost her. We went though two traumatic nights multiple visits and two surgeries. We would have done anything and we did. More than two weeks went by, and the time came to call the insurance company. I did not want to make this call. I flat out told the person we hadn’t even had the time to get all the paperwork completed. She was still a baby. Well from the first call with Faith to the gentle hand holding and sincere conversations with Jenn the process was still extremely painful but went smoothly. These ladies helped me get through an extremely raw time with care and understanding. Thank you to Embrace for having these ladies on your team.
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Missy Becker
Apr 05, 2021
I was hesitant to get pet insurance for…
I was hesitant to get pet insurance for my new pup but am sure glad I did. Great customer service and fast reimbursement. Could not as for a better experience
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Michael Klein
Apr 04, 2021
Easy claims and fast payment.
Easy to submit claims. Approval took less then a week and payment came in less than 3 weeks. Covered $5300 of a $7200 emergency surgery. My dog is alive and i never had to worry about extreme costs.
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Nathaniel Kyker
Apr 04, 2021
Why waste over 500 dollars a month? Start saving!!
Better off just saving what you pay a month. I recently took my dog to vet and ended up with over a 600 dollar vet bill. I paid out of pocket to be reimbursed later. I pay over 65 dollars a month. I have had them 8 months. So about 520 dollars is what I’ve paid them so far. I filed my claim, which took forever , it was way more than the two business days that was stated to me because I was a USAA member. Moving on, once my claim way filed, out of the 600 something odd dollars, they took 500 something for the deductible. So it’s left me with 70 something odd dollars for my 600 plus vet bill. Apparently this is something you must pay every year, then and only then you’re only eligible for up 80 percent reimbursement. If you ask me, you’re better off putting aside 150 a month for your pets, that way when you need the money there is no wait. Makes no difference since you’re paying out of pocket to begin with. Just another thing you pay tons of money into for what? Maybe your healthy pet needs some surgery or something? Most dogs never have issues till they are older anyways. If you feed your beloved best friend the best and love them. Most times that’s enough till later on in their life. So if you set aside 150 a month, that’s 1800 a year, so I’m going off of my dogs, the oldest which is 8, I would have saved over 12,600 for vet emergencies etc. trust me when I tell you, this is way better than eating a 600 dollar vet bill because of a deductible. Do the smart thing and start saving now. That way there is no maybe, that you’ll get reimbursed. You will have the money and not worry about dealing with a damn claims department and wasting 68 plus dollars a month on some crap. When you get a pet, start saving as much as you can every month. Like I said just my two cents, on the service here. I would rather have my money and use it when I need it.
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Ruth Canny
Apr 02, 2021
I have been very pleased with the…
I have been very pleased with the service Embrace insurance has given me. Because of my dog's health issues, I am very happy that I decided to obtain coverage for him, Thank you for your excellent service.
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Raz Rahman
Mar 30, 2021
Embrace has been a pleasure to do…
Embrace has been a pleasure to do business with. We first had Embrace years ago with an older dog and it sure came in handy. When he passed, they were kind enough to send a note and still processed the final claims in record time. Now, we have a new puppy and she gets into everything. We had an unfortunate incident and she ended up at Emergency Veterinary Services, with a costly emergency surgery. Since we had all our examinations/checks done before this incident, we had everything covered, and it truly is a savior. A few thousand dollar bill became manageable since the policy kicked in. We just needed to pay for the deductible, our "co-insurance", and the rest was covered as expected. The mobile application and web portal made it very easy to follow the process along, and the complete reimbursement process from submission to direct deposit of funds took less than two weeks. All in all, I highly recommend Embrace to anyone looking for a pet insurance policy. We also have the Wellness program and it pays itself back over the course of the year making it easy to budget for necessary vet visits. Read your policy documents and follow all the advice, and you'll be extremely happy!! The policy comes in handy when you need it. The stress relief alone is worth it. Thank you Embrace!
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Michelle R.
Mar 29, 2021
Prompt and Caring Service
I’ve had Embrace for years and needed to submit a claim for the first time. Incredibly prompt and caring service and a very worthwhile policy.
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Veronica Spagnolo Garrett
Mar 26, 2021
Great coverage with dedicated Customer…
Great coverage with dedicated Customer service! Highly recommended! Worth the investment in caring for your pets!
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Dr. Marie
Mar 25, 2021
Excellent support
My dog needed very expensive dental care. Embrace was helpful throughout the process. They quickly answered my inquiry before the procedure so I could determine whether or not the procedure would be covered. Then after the procedure, they helped me file the claim, indicating that doing so through their app or website would make the claim process much faster. Embrace kept me informed throughout their review process so I could know what was happening. Then, when the review was complete, they did reimburse me for about 70% of the cost. The entire process, from filing thr claim to reimbursement took about 3 weeks. After they completed their review, they also sent me a detailed email indicating the effects this reimbursement would have on future claims for dental work. Overall, I would rate Embrace as outstanding. I have also told my primary veterinarian and the dental veterinarian how well Embrace did for me. Both will be sure their colleagues know about my excellent experience
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Shelly
Mar 25, 2021
Embrace has us covered!
We are very pleased with our Embrace plan! When we got a new puppy last year we knew we wanted to be covered. The app is very easy to use to submit and check on claims. Embrace reimburses quickly. We look forward to the security of having our pup covered for his lifetime!
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Darrell Dobbins
Mar 24, 2021
Terrific service
We recently used our policy to help cover the cost of a root canal for our dog that was necessitated by a fractured tooth. Embrace employees were responsive, professional and very helpful. The whole process took only a few days from start to finish. We were very impressed and grateful.
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matt johnson
Mar 23, 2021
Our dog is alive because of Embrace Pet…
Our dog is alive because of Embrace Pet Insurance. They have covered over $20,000 of expenses quickly and professionally. I could not recommend them more highly.
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Tali Tucci
Mar 20, 2021
My cat needed to go to the emergency room
My cat needed to go to the emergency room and the bill was about $4,000.00. Embrace was WONDERFUL! They covered 90% as promised and what a relief to know we have good pet insurance. 2 years ago we spent $8,000.00 to save our dogs life. After that, I knew we needed pet insurance. Embrace has been great. Excellent customer service and always a nice and efficient person on the phone. Very happy. 😃
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Daphne DeMaris
Mar 19, 2021
I debated about getting pet insurance…
I debated about getting pet insurance but because my cat is 13-14 years old, I knew that the possibility of some health issues was greater than before. I am a whole-hearted kitty-mama and would want to do anything I could for Abby. Even though it is an additional monthly expense, it is worth it. Once The deductible is met, getting reimbursed is super easy. I simply upload the required form and the receipt and usually am reimbursed within a week. There are a couple of plans to choose from and what percentage the reimbursement is depends on what choice you make. It has saved me a lot of money over the past year, because Abby has gone to the vet five times and even recently had dental surgery.
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Kelly
Mar 19, 2021
Our brilliant dog swallowed a popsicle…
Our brilliant dog swallowed a popsicle stick hole one night. My husband had to take him to the emergency vet, where they originally quoted close to $3,000. My husband got very concerned about the amount until I reminded him we had pet insurance. We had a general estimate on what would be covered, but we were very appreciative at how quickly Embrace processed the claim. We would've done anything to save Flynn regardless, but saving money (and getting paid back quickly) made it a lot less stressful.
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Carly Starr
Mar 17, 2021
Two years ago I lost a beloved dog
Two years ago I lost a beloved dog to diabetes, the loss left a huge hole in both my heart and my pocket as she was not insured. I decided at that moment to insure my Boston Terrier and researched different pet insurances. I decided on Embrace and I am very happy that I made this choice. The first year my healthy Boston earned a reduction in deductible going from 200 dollars to 150 dollars. I thought we were going to continue that trend when 6 months into the second year of the policy I noticed my Boston short of breath. I took him to the vet and upon testing it was determined that he had developed cardiac problems. I am so happy that I will be able to continue with the best care for my little guy because of Embrace Insurance. They have been an absolute pleasure to have as a partner in my dogs health.
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DGR
Mar 16, 2021
Worth every penny when it counts
I've had insurance on my GSP for over five years and never made a claim, and I'm a glass half empty type when it comes to insurance. I expected a bad experience when my boy needed emergency surgery. I got quote the opposite. Claim submitted and within a week I received a check, less deductable. Can't complain about that no matter how hard you try. I have already recommended Embrace to others
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customer
Mar 16, 2021
Pet Embrace Insurance has been great…
Pet Embrace Insurance has been great for our Pom.. Thanks.
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N Phoenix
Mar 15, 2021
Fast and Reliable!
My dog needed surgery for swallowing a fist-size toy. I submitted the paperwork as soon as I got it and Embrace reimbursed me every penny of 90% over my deductible, no questions asked, within two weeks. Great experience and so helpful and reassuring during a stressful time.
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Mark M
Mar 12, 2021
First Claim with Embrace
Have had Embrace Pet Insurance for a few years now, and this year was the first time having to put a claim in. Contacted Customer Service beforehand and the rep was very friendly and knowledgeable and was quickly able to answer my questions. The claim process was simple especially with the app to upload docs and see the progress of the claim. Once approved the funds were in my account the next day. Will continue to recommend Embrace to our friends and neighbors who are looking for a pet insurance company.
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Pat A
Mar 10, 2021
Embrace has far exceeded expectations!
We lost our 15 1/2 year-old dog in November, which was very difficult. Around this same time our two other dogs started having health issues. This is all very emotional, scary and expensive. As the medical bills were mounting, I finally got to the point where I needed to take the time to gather the paperwork (which I already had, but needed to scan) and submit the claims. To my pleasant surprise, the claims process requires no claims forms to be completed by me or the various veterinarians; all I needed to do was upload the detailed receipts and provide an explanation, as well as upload any supporting documentation I had. This could not have been easier! By checking the status of the claims online I could tell that the claims reps had started to work on them, as well as the status of each. There were 18 claims that I initially submitted. If there was any additional information needed from the vets, the claims reps requested what was needed. Some claims were processed and paid within 2 days, and all were processed and paid in just under one week!!! This far surpassed any expectations I had. Because I pay all bills in full, It was nice to be able to replenish the savings account that had taken quite a hit in a relatively short period of time. Unfortunately there will continue to be medical bills for both dogs. Hopefully the issues with one dog may not be as bad as originally diagnosed, but one dog has a couple of different cancers and is going through treatment, which will be ongoing for a while, so fingers crossed he does as well as another dog of ours who had cancer many years ago and lived 6 years after diagnosis and treatment (to nearly 18!!!). Anyway, because there will obviously be more expenses to come, it’s nice to know the claims process is so streamlined and the claims staff diligent in processing the claims quickly - one less thing to worry about! My experience with Embrace has been stellar!
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Tiggaroo
Mar 10, 2021
3 Months to Get Claim Approved!
Three months to process, approve, and pay a claim for my one year old cat! They repeatedly told me that the vet notes from her spay six months prior we’re not sufficient to prove the condition wasn’t pre-existing! I sent them documentation half a dozen times. The vet spoke to them on the phone several times. Then they told me that the condition would not be covered EVER because they considered this illness to be her first vet exam so her coverage didn’t technically start until then and the condition was already there. So it would be considered a pre-existing condition and would never be covered. It wasn’t until I asked what specific condition they were referring to that my claim was escalated, approved, and paid. Because someone finally realized that getting outside and eating a poisonous lizard couldn’t be a pre-existing condition!!! If it wasn’t for the fact that my dog has been on the insurance for six years and her deductible is now down to zero, I would cancel and go to another insurance!!!
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Lance
Mar 08, 2021
I have been very happy with Embrace
I have been very happy with Embrace. They process claims online and they don't question or require undue paperwork. This last claim was after my dog swallowed a corn cob. Xrays and Ultrasounds were required. Luckily the Doctors ultimately ruled out the need for surgery but that still left me with $1,700 in vet bills. Embrace took care of the vast majority just as my plan coverage was designed.
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Sara S
Mar 06, 2021
Excellent customer service
Excellent customer service. I received my payments very quickly. I highly recommend the company!
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Pat
Mar 06, 2021
Trusted partner for helping with my pets' health care.
I've found Embrace Pet Insurance easy to work with. They have been great answering my questions and helping me to understand their process. Once the medical review was completed claims were handled immediately. If I had a question on the resolution of a claim they reviewed it right away. When surgery was required they reviewed the surgeon's proposal and ruled on on pre-approval within 24 hours which made it so much easier to plan. I would love to never have to make a claim but when it does happen I feel confident I have a partner with Embeace to help with the financial planning of my pets' care.
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Levanuel Goethe
Mar 03, 2021
Rtush To Injustice; Lucrative Endeavor
It has been a long journey and not easy. I felt the term "rush to justuce" fits. From its offset seems a forgone conclusion was the outcome. Before a response was drafted and sent; the claim moved on. Bailey's care was great yet, I felt somrhow excluded; the Veternarian f and insureance company directed the outcome. Even an obvioud error of birth went uncorrected or questioned. Diarrhea caused by my proper feeding and a fecal test from 4/20 ieas denied as part of 1/21 claim. Yoi see the veterinsrian words are infallible . Their words are law and cannot be questioned. Predatory and beneficial at the same moment. Contradictory and confusing. Bailey is fine now. Thank God but, I always think what if....no noney meant no service or mountain of debt.
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Janis Spinak
Feb 28, 2021
Easy to file claim form
Easy to file claim form. claim expediated quickly.
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Chandika Soebardja
Feb 27, 2021
Embrace is the best insurance i have…
Embrace is the best insurance i have for my dog who just got melanoma tumor , they refund my money within 24 hours , thank you , cuz that help a lot for me to continue with what my dog needs .
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Robert Wilson
Feb 27, 2021
Almost Hassle Free
Almost hassle free. I saved a "few" bucks to spend on my "furchild". Highly recommend you consider Embrace Pet Insurance. It isn't the for everyone, for you must take time to do the administrative paperwork [after collecting the paperwork from the Vet, the claim process takes 10 minutes. The wait time is usually 10 days.
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Denean Gable
Feb 26, 2021
Took way to long to get a response…
Took way to long to get a response however this was my first claim. Apparently they needed more information, Then I was told this was a pre existing condition. The next claim again was a fractured tooth and a loose tooth and those had just happened, so I was reimbursed. Not much Bit something is better than nothing.
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Jerrie Reddell
Feb 25, 2021
Ebrace was easy to talk to and they did…
Ebrace was easy to talk to and they did everything they promised to do. I got the check for my pets accident quickly and without any hassle.
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Stephen Kim
Feb 25, 2021
Claims were easy to submit and the…
Claims were easy to submit and the turnaround time for payment was within a few days. Excellent communication and service!
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Judie Gee
Feb 23, 2021
Excellent coverage, good options, slow processing.
Embrace has the best offerings for coverage that I have seen. This helps fit the monthly payment into a tight budget while still being a huge help if something awful happens. It has always been my opinion that the function of insurance companies is to avoid any payouts. Embrace has proved me wrong. The only complaint I have about this company is the time it takes to get reimbursed. Our first claim was early in the pandemic, and it took a very long time to get results. The second claim was more recently, and the timing was better. If I understand correctly, once I file a claim Embrace has a defined amount of time to process and pay or deny. In our cases that's not exactly what happened. I was told several times that they have 14 days to process a claim. As it turned out our claims were paid 14 days after they contacted our vet and processed the paperwork. But the problem was, the vet was not contacted for several weeks. Once the vet responded, Embrace started processing. So 14 days from claim-to-result was not quite correct and a bit deceptive. Other than that, our coverage is fine. I do enjoy the Embrace website and all the information provided.
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PPS
Feb 17, 2021
The reimbursement for a claim I…
The reimbursement for a claim I submitted was very quick. The company's communication is excellent. I would recommend Embrace for your pet's insurance.
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mari bowring
Feb 17, 2021
The worst pet insurance company
The worst pet insurance company! Although their operators are very pleasant, they as a company are nothing but vile. Waiting for an average of 5 months to get every claim i ever filed to be closed and that was after having to call them multiple times to get them to do their jobs. I also awaited payments which was never as much as they claimed to cover. After I had to euthanize my ESA under emergency circumstances, they emailed me back and forth for a month because they couldn’t find the information that was sent to them. When it was all said and done, they only covered $39 out of the $819 bill because I didn’t have a wellness plan? What is the point of having pet insurance if it won’t cover emergencies? Not to mention this was the fourth trip to an ER vet with my dog since we opened the policy with them in a 18month period, they always covered his ER visits. If you care about your dog, don’t trust Embrace to cover you. They are a scam of a company, spend your money elsewhere.
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Jenna S
Feb 14, 2021
Kind people, whole coverage
I used embrace for the final 3.5 years of my senior’s kitty’s life. They were great and always explained the whys and how’s of everything. They were also incredibly kind and compassionate when dealing my final claim for my kitty’s end of life. I think showing compassion in a situation like that is really amazing coming from a company and I appreciated it so much!
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Bev Mcmurphy
Feb 12, 2021
I have had this insurance policy for a…
I have had this insurance policy for a few years. I haven't had a problem with any of my claims. The response time is very reasonable. There is always someone available to answer any of my questions.
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mam
Feb 12, 2021
Satisfied with my experience
Unfortunately my pet had an accident shortly after signing up with Embrace. Shortly after sending in my claim information, invoices and medical notes, my claim was processed. I was appropriately reimbursed and didn’t have any issues with them trying to get out of reimbursing things they said they would. Would recommend Embrace to others.
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Morgan
Feb 11, 2021
Great experience
We have had Embrace for a few years but finally had to use the insurance for a large medical expense for one of our dog recently. Every customer service rep we spoke with was very friendly and helpful and resolved issues on the first quick phone call. Once our claim was submitted, it was a little confusing as they split it up into multiple claims which I assume was splitting each day our dog was in the hospital as a separate claim, which was fine. We were able to set up direct deposit for our reimbursement which was incredibly convenient. It took about one week from submitting the claim to receiving our total reimbursement (we maxed out our policy). There were no issues with anything not being covered or issues getting our refund approved. Overall the process was quick and painless and the insurance worked as it was supposed to. We are very grateful as we would not have been able to move forward with the surgery for our dog had we not had this insurance policy. Also grateful for those customer service reps who on top of being great at their jobs seemed to be very caring in regards to the well being of our dog and our stress level over the whole situation.
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Ryan Sittichotewat
Feb 08, 2021
Excellent 👌👌👌👌👌
Excellent 👌👌👌👌👌 Love this company, fast process.
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Jmokos
Feb 08, 2021
Great Experience
I have had a great experience with Embrace since I started my plan ~10 months ago. Online claim submission is very easy and the reimbursement process it’s very quick! Anytime I have had questions I have gotten a very prompt response. A great experience!
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Sarah Beyer
Feb 08, 2021
Best customer service!!!!
I signed up for Embrace Pet Insurance when I adopted my cats back in 2011. I was so very happy I did. Just a little over a year after signing up I had very expensive vet bills for my cat who ultimately was diagnosed with cancer. Claims were handled very promptly and covered about 90% of what I paid out of pocket to the vet. Hands down the best customer service ever. You always talk to a real person and they show genuine care and interest and promptly take care of issues. I HIGHLY recommend Embrace pet insurance!!!
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Nancy Peach
Feb 06, 2021
Super happy. Highly recommend them!
My experience has been amazing. I have used Geico for Auto Insurance for over 20 years, due to their sweet customer service. In a world where customer service has become - NO CUSTOMER SERVICE - Embrace (Geico's Pet Insurance Company) is number 1 in my books. They are always cheerful, helpful and they personally answer the phone after a few minutes. Unheard of in this current world. I just cannot say enough about them. They reimburse me for my doberman's care and they are really easy to deal with. Automatically deposited into my account usually within 10 days!!! No Hassle. I highly recommend them.
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Robert Templin
Feb 04, 2021
We found that very few of our claims…
We found that very few of our claims were covered. After realizing that I was just sending a check and pre existing conditions cut into coverage benefit.
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Katie Cummings Rossmeissl
Feb 04, 2021
WARNING
WARNING: If you decide to sign up when you have a puppy, they WILL NOT PAY YOUR CLAIM and will find every excuse NOT to pay it. Everything is considered a "pre-existing" condition. I signed up when I had my dog for 4 days and somehow everything is a "pre-existing condition". It took them 3 months to actually process a claim (meanwhile I'm paying premiums). I cancelled and went with Trupanion who actually pays claims.
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Caitlin Clear
Feb 02, 2021
Beware of this company - Honest review from customer of 6 years
I have had Embrace pet insurance for 6 years now and would like to warn people before getting involved with this company. We've thankfully only had small claims for our 2 dogs and claims customer service and processing has always been great. Our original policy was affordable but every year Embrace has increased our policy by about $40 (~25% increase) per month (!!). Its completely PREDATORY because they know that once you have a policy its hard to make the decision to cancel or decrease coverage, especially for all of us to care deeply for our pets and want to protect them. We've had to carefully reduce our coverage over the past few years to keep our premiums reasonable. I've made numerous complaints, especially when asked to pay an additional $40 per month for our most recent renewal during COVID. They're tone deaf and don't care about keeping you as a customer. Please be careful in considering this company for insurance--you're much better off setting aside some savings on your own. Beware.
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Gary Fullington
Jan 31, 2021
Couldn't be happier.
We're very happy with the way our claim was processed and with the lightning fast reimbursement. I recommend Embrace pet insurance to all of our friends that have pets.
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Lauri
Jan 29, 2021
Terminally Ill 4-Legged Family Members
I have had a couple of sick dogs in 2020 and both have left this world and became angles, anyway i have had nothing but great customer service at the time i needed it most. I thank all that had to put up this crying momma at times. Thank you for all of your help and understanding.
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Rosa Delgado
Jan 29, 2021
I recently insured my dog and I am very…
I recently insured my dog and I am very happy with the phone service I have received. The waiting time on the phone has been great. No long waiting.
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Matthew
Jan 27, 2021
So simple
So simple. Uploaded the documents after my dog had his teeth cleaned. Between the wellness program and the insurance we got good chunk back in a short time.
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RubenAlonzo
Jan 27, 2021
Wonderful, friendly and knowledgeable staff!!
My mom gifted my family a brother and sister Chihuahua puppies, we could not be happier. Being new to this breed (we normally own working class dogs) I called Embrace and spoke with Emily, she was extremely helpful and knowledgeable with any questions we had. I cannot emphasize enough how much at ease Emily placed us when it came to picking out a policy specific to our needs.
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E Turner
Jan 27, 2021
We are currently stationed in South…
We are currently stationed in South Korea, and your company has been great with our claims. Thanks so much, as a military family moving from California to South Korea you have helped make the transition easier for me and our family. Not sure where we will go after this assignment but but I’m glad to know that you will take care of my pets needs.
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Nicole Karnik
Jan 26, 2021
Insurance with Integrity
We got a young, healthy rescue dog and immediately took our an insurance policy through Embrace. Less than three weeks later his eye had an infection that went from bad to worse within hours. While treating him, his eye ruptured and we needed to have emergency surgery performed to salvage any vision for him in the infected eye. We've dealt with insurance for humans before and I was prepared to have to fight and submit ridiculous amounts of documentation and battle through denied claims several times to get reimbursed for the very expensive treatments our dog needed. But much to my surprise Embrace treated us with integrity and beyond accommodating customer service. I needed only to submit our vet paperwork, as asked for on the website, and send a few additional clarifications for the Embrace Vets to better understand the nature of our claim. And best of all we our reimbursement checks were processed in under two weeks. It was so refreshing to work with a company that wasn't out to fleece me but actually provided the service they advertised with no strings or smoke screens. We plan to use Embrace for as long as we are blessed to have our dog and for any future fur babies. I would highly recommend Embrace to any pet owner. And by the way, this is about the third positive review I've ever written, so let that speak for itself.
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Sue McLauchlan Faulkner
Jan 21, 2021
We added a new family member to our…
We added a new family member to our policy today. I spoke with Sarah and she was efficient, helpful and very nice! I always recommend Embrace- we have had wonderful experiences with them.
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Angela Barber
Jan 17, 2021
One of the best pet insurances!
Embrace has been very convenient, professional, and Punctual! I can’t say enough about their customer service! Very very pleased with embrace pet insurance and would recommend it to anyone.
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MARILYN DAHL
Jan 16, 2021
Recently my dog required extensive…
Recently my dog required extensive medial diagnosis and treatment resulting in many expensive medical bills. My claims were processed politely and efficiently. Embrace Pet Insurance reimbursed me to the full extend of their obligation. My opinion of Embrace is VERY favorable and I would recommend them without hesitation. They keep their promises. Thank you, Embrace!
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Linda Goe
Jan 15, 2021
Best Decision Ever - Insuring Our Dogs with Embrace!
In the past, we didn't insure our dogs. This time, with encouragement from our breeder, we decided to insure both of our dogs. We were in complete shock when our younger girl, just 14 months old, became severely ill. After consulting with the emergency vet, I decided to call Embrace to explain what was going on and ask questions about our policy. The rep immediately opened a pre-cert to let me know where things stood. I was able to breathe a huge sigh of relief that the tough decisions we might have to make about our girl wouldn't be influenced by lack of money because our Embrace insurance was going to help us take care of her. Our girl is on the mend, though we still have a long road ahead of us, but Embrace has processed our claims in a timely manner to help us manage the financial burden of her care. I have nothing but praise for the customer service and quick turn-around time for claims processing! I'm so thankful we listened to our breeder's recommendation and insured our girls!
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Lexiem Salvadore
Jan 14, 2021
Great customer service
Great customer service
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Carolyn
Jan 13, 2021
Dan just assisted with an admin (?)…
Dan just assisted with an admin (?) error on a recent claim. Really easy to speak with and got a fix in a couple of minutes.
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Di
Jan 12, 2021
Colleen treated me like family and told…
Colleen treated me like family and told me exactly what to do.
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Regina Hernandez
Jan 11, 2021
Difficulty time
We believe that in a difficulty time like now is very important have a serious and responsive insurance like Embrace.
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Kiley Miller
Jan 08, 2021
Great customer service. Make the Vet accurately diagnose your pet with lab results!
Great customer service-- a fully equipped team, capable of negotiating insurance policy and provide a voice to a concern customer. **Be sure to read your policy's fine print before accepting so you know what is fully covered. If there are any findings on your beloved pet at the veterinarian office, ask for a full diagnostic to include labs so results will determine whether it is covered under your policy. Embrace values working with their customers on claims.
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Karyl Lawson
Jan 07, 2021
Employees obviously love animals
It seems obvious everyone at Embrace cares about pets. Every person I have spoke to has been kind, understanding and amazingly helpful. I have never once ended a phone call where my issue was not resolved immediately. Very few companies offer such excellent service.
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Tiffany Meraiot C
Jan 06, 2021
Their customer service is great
Their customer service is great. They are super helpful and read every email I sent with questions about my kitty. Thank you! I changed my insurance to them from Figo and the benefits are great!
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Consumer
Jan 05, 2021
I Needed to Change my Payment Info.
I spoke with a very nice customer agent named Joey, and gave him my new payment info., as my debit card was stolen. He was courteous and answered all my questions about my policy and what it covers as well.
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Merry
Jan 01, 2021
Excellent Service
Excellent customer service and turn around time on claims. Would highly recommend.
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Anna E
Dec 31, 2020
Excellent customer service
Excellent customer service. It was a very easy process to get reimbursed after the expensive dog surgery. Thanks to Embrace, we got some of the expenses back, there were no issues.
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Egypt Foster
Dec 29, 2020
Customer service is definitely rated…
Customer service is definitely rated among the best for a reason. I’m so glad that I chose this company to insure all 4 of my fur babies. They have not disappointed us yet.
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Wayne W.
Dec 28, 2020
After researching about six different…
After researching about six different pet insurance policies, Embrace offers excellent cafeteria style policies to meet all budgets. We’ve been enrolled for three years and today enrolled a second pet. Embrace is quick in review & payment. Very friendly and helpful staff when I called for general questions. If you love your pet(s) which I’m sure you do... Embrace will provide the same care you give to your pet... personable care that makes all the difference!
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Patricia Sharp
Dec 24, 2020
I am amazed at the ease of filing a…
I am amazed at the ease of filing a claim and the speed in which it was processed .
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Sophie Coffey
Dec 24, 2020
I love Embrace Pet Insurance!
I've been an Embrace customer since 2009, and in that time, I've never had an issue with the rates I pay or the reimbursement they give me when needed. I will always cover my pets with Embrace pet insurance!
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Mary Povroznik
Dec 22, 2020
Love Embrace Insurance!
Embrace has always handled my claims quickly and efficiently. I have had very few issues and the representatives have always been polite and were able to fix my issues with minimal problems.
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Craig Christian
Dec 21, 2020
Coverage and Discounts
Very easy to use to great and adjust coverage for your pet. Multiple discounts like military, USAA, and multiple pet coverage discounts.
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Michelle S
Dec 21, 2020
Embrace makes the process crystal clear…
Embrace makes the process crystal clear and the customer service number is quick to get a rep on the phone with!
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JRG
Dec 20, 2020
Premiums Double in Senior Life
I have had insurance for my golden retriever since she was a young pup. Embrace has done a good job covering her when she was young. Now as she has reached her senior years, they keep doubling my monthly premiums every year. It is horrible, last year I paid almost $300 a month and now this year they want $500 a month. It seems to me that once your dog is a senior they increase your payments. Although they state that they do not increase based on age, this is a lie. I would recommend finding an insurance company that specifically states there is no increase per age. I have been a loyal customer for more that 10 years and this is the thanks I get!
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Deborah Depool
Dec 19, 2020
I have tried to explain that my dog…
I have tried to explain that my dog does not have skin allergies many times. My regular veterinarian who normally sees my dog did not diagnose him with any allergies. Apparently a doctor that was on call saw him and must’ve mistakenly charted that he had allergies and since then they will not accept claims for any allergy related issues and apparently and ear infection is one of those issue. Well my dog does not get ear infections routinely he recently had one and the claim was for $300 they did not reimburse and I don’t think that is fair.
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Heather
Dec 18, 2020
Convenient & Efficient Reimbursement Process
My 10 year old dog was recently diagnosed with cancer and I was faced with some pretty significant vet bills. The Embrace claims process was extremely efficient (via the app on my phone!) and I received electronic reimbursements to my checking account within days of submission. The heartache of managing a pet with a serious illness was made so much less stressful knowing that we had the right insurance in place and could give our dog the care she needed. Money is the last thing anyone should have to think about when making decisions about treatment for your beloved 4-legged family member. Thank you, Embrace!
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Joan Skinner
Dec 18, 2020
The good and the bad
The good and the bad. The Good. Once I put in my claim it was handled fairly quickly and paid off to my bank account. The Bad: I had emailed a question about the claim but it wasn’t answered for almost a week. I had called also but no one ever returned my call. Additionally, my first year of using Embrace is almost over and I got a notice that the premium was being raised by almost 60%. For a company that definitely does not make communication a priority I was astonished. I won’t be renewing.
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Gregg K. Garfinkel
Dec 15, 2020
What an Insurance Company Should Be!
Embrace was extremely responsive as we treated our faithful companion, Major, for lymphoma. Claims were promptly paid and questions promptly answered. When Major passed, they were helpful and offered an appropriate amount of condolences. We will be back when we add a new furry friend to our family.
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Angela
Dec 15, 2020
I just signed up my cats and dogs and…
I just signed up my cats and dogs and had a wonderful experience with Tiffany-she was so helpful and knowledgeable! I would definitely recommend.
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Matthew Swanson
Dec 14, 2020
Easy but puzzling coverage
The claim process is relatively easy. Sometime though you do have multiple invoices for one claims and it doesn't let you use photos. Also, I don't understand why when my vet prescribed a "prescription diet" for my dog it wasn't covered as part of his illness treatment. He won't be on it forever it was due to the medical problem diagnosed.
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Vladimir Kogan
Dec 10, 2020
Fantastic service and very quick…
Fantastic service and very quick processing of claims! Love being able to submit claims using phone app.
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John Schleider
Dec 08, 2020
I've have nothing but very polite
I've have nothing but very polite, knowleable, nice employees. Everyone was trained the right way. I really enjoy talking to them
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Jeanette
Dec 08, 2020
Our Charlie.....
I have been with Embrace now for a few years and I am very happy we went with them. Once filing my claim, it is always a quick turnaround. The employees answering the phones are great, and their service is great also. I had a very pleasant experience with Tamika today. She is very kind and understanding!!
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Andy Corn
Dec 07, 2020
I was able to save my best friends life
I've used embrace for the last three years. Having the reimbursement allowed me to have an extra two years with my best friend i wouldn't have had without them and the surgery he had to have. I was able to get his care, vet visits and medication reimbursed, making it affordable to keep him happy until the end. I was able to cherish and celebrate my best friends life in that time, and I can never thank them enough. Everyone I have ever talked to within the company has been extremely helpful, knowledgeable and kind. Claims can be slow to process sometimes, but it's usually because there is a hold up from the vets office. They're super helpful in letting you know, and re-requesting any outstanding information. When we decided to bring in a new kitten, one if the first things we did was get him signed up with insurance
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Elizabeth Silva
Dec 07, 2020
Accommodating
Received payment easily and customer service was friendly and helpful. No questions asked on claims submitted.
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YURIY
Dec 06, 2020
Embrace Pet Insurance
Satisfied with insurance plan for my dog. Quick review of claims and fast return. Affordable price. Most of the hospitals accept this insurance.
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Terri Lee Melvin
Dec 04, 2020
Valuable time with My Sophie
I have had Embrace Pet insurance since 2013 for my dog Sophie. She is now 8 years old and has been diagnosed with Lymphoma. The insurance has allowed me to treat her with chemotherapy and give us a little more time together. That is all we can ask for at this time and we are Thankful.
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