Embrace Review

Pleasant Representative was thorough, patient, and helped adjust my policy with terrific explanation. I learned I could get unlimited coverage by asking, that it's smart to get what you want because you can always adjust coverages down but not up, and coverages for senior pets are the same as for when you first enrolled them if continuously enrolled. I was unclear on that. Bravo!

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Can't give these folks a thumbs up -- feels disorganized and random. They've paid claims that weren't mine -- I immediately told them and they told me to "keep the money." They have vet techs doing claims review -- two-years of college and a certificate doesn't equal a review by a advance degreed professional. One of the reviewers went back MORE than the stated period of review. One of the claims had been there for almost 60 days -- wasn't until I proactively required that they reviewed anything. They're associated with USAA, which gave them credibility.

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The Customer Care at Embrace has been Super Fantastic. Their Conversation of service was performed with clarity. Thank You Embrace Insurance !

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Embrace has paid $$$$$ for my doberman. I have friends that I told about. They are so fast getting ur reimbursement back to you. Christine Miller and Zane

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Disappointing company. Will not allow you to update address online and you don’t know it’s not updated because you don’t get an error message. As a result if your rates are supposed to drop you have no way of knowing.

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Great service and excellent response when filing claims. Well trained and respectful customer service representatives are always willing to assist.

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Awesome service, a friendly phone call and they walked me through options to get the best coverage that fit my monthly budget. I have a clear idea of what is and what is not covered so that makes me confident I made the right choice.

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I have been fighting with the claims department for months to get my rescue dog's dental bill paid I don't know why they won't honor the claim I have been paying high premiums every month to keep my rescue dog healthy OK healthy and safe and happy I would think the embrace company would honor the people who choose to rescue dogs and Care of them the best way they can

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Submitting claims is easy, the claims processing is timely and the explanation of benefits is simple to understand. Great experience!

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Embrace is amazing. Our claims are always handled timely and easy. We have had a great experience with them.

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Anna was very kind and patient. She knew her stuff! I’ve had great service from all embrace customer service!

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Embrace is partnered with USAA and offers good service and rates. Very knowledgeable and friendly service too! Jennifer took the time to help me choose the best plan for my pet.

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Ive experienced many pet insurers from Trupanion that lilited benefits if you didnr neuter your pet (dictator CEO)...to VPI that paid 50% and most pet parents. Ouldnt afford the other 50% so pets lost out...the Healthy Paws that doesnt pay the veterinarians fees to exine your pet and was recently sued for escalating policy prices ( when youre deemed preexisting youre trapped). I call that insurer UNHEALTHY PAWS! Trust me Ive done my homework and Embrace insurers all of my Lab Service Dogs that I own or train. Calls get answered promptly, rates are fair and dont rise exponentially, staff is friendly and answers are good.

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Our Labrador mix was unexpectedly diagnosed with a Cancer tumor. Surgery was the best treatment as we headed down the path of finding specialists, big words, and multiple visits to animal hospitals. During my first call to Embrace, Dan calmly walked me through the process and had words of encouragement. I was a person not a number - in today's world, that was nice. I expected to wait weeks or even months to be reimbursed, but was pleasantly surprised it only took 72 hours, and everything according to our policy was covered. The saying "you get what you pay for" can be applied in our situation. I've paid on the policy for months with very healthy dogs and thought that perhaps I was wasting my money. I was wrong. We were blindsided with this diagnosis, but our dog was able to get the very best medical tests, surgeon, and care because it was covered. I am happy to say our dog is cancer free and back to chasing squirrels.

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I have 2 dogs covered by Embrace. Overall, I have found Embrace easy to work with and the coverage most important to me is affordable and comprehensive. My only complaint is a exclusion in the policy on our recent shelter adopt. I took her directly from the shelter to my vet for him to verify health info provided to us . She was scratching and he documented that. Now any claims for “itching” are not covered. Turns out she was filthy and the next stop was the groomer who washed her several times- no scratching anymore but the exclusion stands. So much for being conscientious and rescuing from the shelter.

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I purchased Embrace Pet Insurance in 2014 when we got Hans, our yellow lab. Thankfully we never had to use it until now. I am so grateful to Embrace for their outstanding customer service team. They answered all my questions regarding filing my claims and when to expect reimbursement and the claims were handled pretty quickly I think. I couldn’t be more pleased! I have called them over the years to add pets and when the premiums increased and I wanted to know how to lower them, while still maintaining a higher amount of coverage. I highly recommend Embrace Pet Insurance to anyone who wants peace of mind and outstanding customer service.

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I've had Embrace pet insurance for a year. The rates are very reasonable and the coverage is very good. They have paid all claims in a timely manner. I am very happy I chose them for my pet insurance.

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I've been with Embrace insuring my two dogs for many years. There have been some claims and they have been paid in a very timely manner. The staff is friendly and attentive. I will definitely use Embrace again if and when I bring in a new and young dog into my family. Thank you!

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Always process my claims in a timely manner

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Jess originally called me from my internet inquiry. She explained the program flawlessly and us helping me with my first wellness claim. Everything should go so smoothly.

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Embrace is a very caring company. I love knowing that my pets are covered.

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Great customer service, responsive and swift. Excellent experience. Thank you!

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Embrace has been great to my family. Cares for your pets and their representatives are friendly and knowledgeable. They process your claim quickly and are great for their premiums. Must use Embrace!

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The claim process is super smooth and easy. Embrace confirms receipt and processes claims quickly. They are also quick to let me know if they have any questions. Thank you!!!

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Caring, efficient and responsible employees, excellent rates and options for coverage, prompt reimbursement for claims.

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I highly recommend Embrace pet insurance. We have had to file several claims for our dog. They were prompt in paying our claims. We are able to submit our claims online and have our payments automatically deposited into our bank account.

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I bought this policy for my 4 dogs. Two of them have heart murmurs. Howie needed a heart ultrasound that diagnosed congestive heart failure. They declined to pay for it as a preexisting condition. Clearly they are two different diagnoses. I told them this. No reversal. Also they rejected my other claims for reasons that aren’t clear. What’s the point of having insurance if they find any way to decline your claims. I cancelled my policy I definitely do NOT recommend this company. I had better coverage with aspca policy.

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Absolutely the best and easiest organization to do business with. Very courteous while explaining health conditions about your best friend! The easiest most convenient way to submit claims and the response time is minimal. Awesome!

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My experience with Embrace has been wonderful. I switched from another carrier because Embrace offered more options at a good price. The staff has been very helpful and knowledgeable. I have had a couple of strange situations and the staff at Embrace was able to guide me through.

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I switched over to embrace for my dog earlier this year and was impressed with the customer service and helpfulness of the staff. I submitted a claim and was denied reimbursement because it wasn’t covered under my policy which I completely understand. I then a few months later submitted two claims for an emergency vet visit for eating grapes and a visit with his vet for itchiness and wound received from scratching. I have not received a decision on these claims yet and have spoken to customer service a couple of times with the standard reply we are reviewing all the medical info. The claims were held up for the request to the vets for my dogs medical records to be sent which was reasonable delay but know it’s just ridiculous. Though the seem to have know problem getting the payment taken out, if I delayed the payment as long I would be cancelled. Once this is resolved if ever will be considering a new company.

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I have had Embrace pet insurance on my dog for 5 years with no claims. Sadly, we recently found a lump that turned out to be a thyroid tumor. My claims for the CT scan and Surgery we’re paid very quickly. I’d write more and with more eloquence but I’m struggling thinking about my beautiful pup being ill.

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Excellent pet insurance - very fair handling claims and reasonable rates for the coverage they provide,

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Great options for emergencies and a wellness plan for "everyday care" to help keep a happy pet and owners;our pets are part of our families, and they are treated like that here.

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Staff is very friendly and quick to respond

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We recently had to go to a vet school and our border collie heeded eye surgery. We were dreading the bill or estimate as we had heard some outrageous fees from others. Not only did we get reimbursed very fast, the hospital sent the forms in for us unlike our regular vet. We were so pleased that an expensive procedure only cost us a few hundred dollars! I would definitely recommend Embrace pet insurance to protect your costs for that most important fur baby in the family.

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This insurance is great if your pet never gets sick. The instant it does, they will run you around in circles trying to prove it was a pre existing condition. My cat needs surgery for her ears but I thought I was covered. Turns out because I got her ears cleaned as a kitten that she has a pre existing condition with her ears. Not only would they refuse to cover anything related to her ears but they refused to cover any of her vet bills since they said she had been to the vet too much. So they covered nothing. Junk insurance. Go elsewhere.

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They are helpful up to the point they don't want to cover a claim. Then they wont answer your calls or emails. They apparently have your number marked as do not answer and will leave you on hold forever, no matter how many times you call. I would not recommend this company to anyone.

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Without a doubt, getting pet insurance through Embrace has been one of the best decisions in my life. This insurance has come through without fail and as they say they will. If you do not have Embrace, I strongly urge you to take the time and burden off you and your wallet and sign up for Embrace.

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The embrace portal is simple to navigate. The process of sending claims is very easy. The support team was sensitive, caring and helpful. I will use embrace for all of my pets.

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Six weeks ago, my hound started having eye problems. After 3 visits to the vet and a trip to Emergency, it was determined that he has glaucoma. He was then referred to an ophthalmologist. He needed emergency surgery in order to save his vision. As you can imagine, all of this was VERY EXPENSIVE! Thank goodness for Embrace Pet Insurance!! The process for filing claims is easy and the claims were processed very quickly. I received reimbursement in less than a week!! I'm highly impressed with Embrace Pet Insurance. I couldn't be happier with the awesome coverage and service!

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Multiple insurance claims filed and Embrace has been on top of every one of them. It's nice since with an unwell pet you need all the help you can get to minimize the stress you're already feeling from that experience. Embrace has been quick and efficient.

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Last month our dog Roxie suffered an anterior cruciate ligament tear. This meant several vet visits and eventually surgical intervention. I was SO glad to have Embrace pet insurance. It truly was just a few clicks on my phone and a picture of her invoice to submit. Their easy claim submission meant that our family was able to focus on Roxie and not worrying about the expense of vet bills.

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I've had Embrace insurance for a little longer than a year. The first year I had no claims. This year I had multiple claims, and they approved them all. Customer service kept me up to date with the status of each claim. My checks arrived quickly once the claim was approved.

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This past July 2020, my Lily needed emergency care and Embrace was there to mitigate the financial cost effectively, efficaciously and competently

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Prompt service and reimbursement

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Excellent customer service, fast and fair on all our claims. Highly recommend them. Thank you for taking care of our standard poodle.

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I had to take my 12 year old cat in for tests, as she was not eating and listless. My regular vet performed what services she could, but then recommended a specialist at an emergency hospital. As expected, the bills were through the roof. I sent the claims in online to Embrace, and within about a week, my claims were settled and I had reimbursement checks in the mail about 2 weeks later. Smooth and no issues at all. Very grateful for the settlement. BTW, my cat Pearl seems to be doing well!

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Excellent customer service with Embrace every time! So happy with them.

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It's so easy to submit a claim through your app. I'm so thankful that I got this insurance for our new puppy.

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So far, after putting in 4 claims, two were paid as they represented sudden illness. Two were denied as being pre-existing conditions. Checks came very quickly. I cannot complain about service and coverage.

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Grateful for reviewing my claim in a timely manner and explaining what is and what is not covered. But overall, representatives are very helpful and courteous when I ask questions about my claims.

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My experience with claims processing was excellent. Embrace kept me up to date as the claim was being reviewed and processed. I was pleasantly surprised when the claim arrived earlier than expected. Overall, Embrace is a great pet insurance company that provides quality customer care to its customers.

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Very difficult for them to obtain information about the dogs. I had to do all the hunting and coordinate between them and the vets office. It is difficult to provide what they need for wellness benefits if not a vet office. For example, Petsmart does not commonly complete invoices.

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Our golden retriever stopped eating and began vomiting. she was also having loose stools we brought her right into the vet. We were directed to go directly to the main hospital fot Evaluation. They did ultrasounds bloodwork x-rays and felt she had an obstruction. Luna was able to pass small bits of plastic she must’ve found and did not require surgery. Embrace took care of 80 percent of the cost! what should have cost 1000.00 cost us 200.00 and Luna is healthy again!

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A must for new puppy / kitten owners! Great value and fast claims settlements.

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We have had Embrace Pet Ins. for our dogs for the past 5 years. Their “Embracers” are kind, compassionate, professional and efficiently expedite our pets claims. Very recently one of our beloved dogs became very ill, very quickly and all submitted claims were processed immediately. Unfortunately, he passed away. When I notified them, Embracer, Kelsey was kind, sympathetic and professional. Kelsey immediately updated our policy, prorated the unused portion and credited our account. It help covered our beloved pets final expenses which was a blessing. We are glad to have found a compassionate company keeping pets protected. We are thankful for the peace of mind knowing our other pup is also protected especially as she ages. We wouldn’t hesitate recommending this compassionate pet insurance company.

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I have had very good luck with Embrace. To be honest, my dog who is 10 years old now had probably $6,000 in issues over several years, which is why I got my other two dogs pet insurance (too many pre-existing conditions on the old guy). Embrace has paid out over $4000 for one dog in the past three years, and probably at least $10,000 on the other dog. They have paid for platelet rich plasma for one dog's shoulder and another dog's knee, a CT scan and an MRI (second dog diagnosed with Wobblers). I honestly could not have afforded all of these bills without Embrace. Thank you!!

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We have been very pleased with the prompt responses to our pets medical conditions. They have been most respectful about our questions concerning pre-existing conditions. They keep us notified through the entire process of getting our refund after our Vet visits. So far, everyone vis email or on the phone have been extremely informative and considerate.

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Embrace reached out to explain why the process was taking longer than expected and laid out when they would be contacting the veterinary practice again and their plan of action.

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Easy to use the app and very helpful! Great communication!

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I have reffered Embrace to all of my Facebook friends and family, they are the easiest , fastest most efficient pet insurance company! I would never go without. Claims are processed fast & explained in detail! Thanks for the great experiences! Linda D

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It was a very nice, easy process and I got my money back quickly once the review was finished. Very happy with you guys!

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I would never ever recommend anyone to Embrace pet insurance How can they actually pay for one claim but yet I had three claims with the same diagnosis and only one was reimbursable which was a small claim But they denied the big ones sad but true they lucky to get in a one star

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I am a huge fan of Embrace. I have had one other insurance carrier, and Embrace is far superior. Filing claims is simple and easy. Embrace communicates quickly and continuously until your claim is finished. And you can actually speak with a human being if you have a question or concern! I had one claim denied that I felt certain should be covered. After providing Embrace with additional documentation, they reversed their initial decision and covered the claim. The people are extremely helpful and they understand how much you love your pet.

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Embrace’s claim process is smooth and quick. I thank God I had insurance for my pet’s unexpected emergency.

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Excellent product, but the price is high.

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Great insurance provider for my Stella. Fast reimbursement! Clear and concise, no surprises.

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Embrace honored my first claim for cat skin biopsy (cancerous?). Just over $400. They took out the $300 deductible which was expected, and paid the rest. They did all the contact with the vet, contacted me by email if needed, informative, nice, emails. Good job, good service. Not cancerous, tyvm!

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quick and responsive, easy to use website

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I tried Embrace on a lark, not really believing in pet insurance. I figured we’d try it and our first claim would get denied, but hey at least we tried. I am shocked and so pleased to say the opposite happened. My dog started having seizures suddenly, had to be taken the ER and then was out on expensive medicine. So I filed a claim and within days, I got a refund that covered a large majority of the cost of his care. Like I said, I was shocked. Then, he had a really big seizure, was taken to the ER and, thousands of dollars later, we were told he has terminal cancer. But with surgery we can buy him a few more happy, healthy feeling months. We can’t imagine how much harder it would have been to be losing our beloved pet and thousands upon thousands of dollars at the same time. We are so grateful we chose Embrace. Their staff and their wonderful, easy to use app has made a horrible experience so much easier.

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I was hesitant about having insurance for my dogs, however when one of my dogs got sick a few months ago Embrace made the reimbursement process very smooth. Everyone I spoke with was very nice and I was reimbursed in a timely manner. I highly recommend them for a great insurance company for your pets.

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Great company, fast resolution of claims. Checks are sent out within 2 weeks of service. Highly recommend!

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You were there when I needed you

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Fast response. Great experience!

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Embrace Pet Insurance was recommended to me by my Veterinarian and I am delighted with their very comprehensive and fairly priced policies compared with other insurance policies. Unfortunately, shortly after enrolling in Embrace my cockerpoo was bitten by a rattlesnake but thanks to my wonderful vet and insurance with Embrace she made a tremendous recovery. Making a claim was quick and easy and I was very surprised to receive a check so quickly. Embrace also provides an excellent customer support system and I am so happy my dog is protected by Embrace.

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My dog required surgery that was several thousand dollars. Fortunately I had purchased Embrace Pet insurance when my dog was a puppy. My vet, myself and Embrace worked together to have the surgery preauthorization. That step was done very quickly. Upon completion of my pet’s surgery, I submitted my claim to Embrace, who reimbursed me for my eligible amount. That step happened within seven days. Embrace was excellent to work with. They were very straightforward. I recommend them to anyone seeking pet insurance.

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Purchased insurance because it was required by the breeder for two months. We decided to purchase 1year coverage for both of our new cats since the cost was very reasonable. After 1 month one of the 5 month old kittens became very ill with weight loss, lethargy, ascites, and high fever. After extensive Veternary and hospital care Embrace has been very easy to communicate with, send invoices for care and rapid reimbursement for qualified care. I have never had health insurance on pets before but I am convinced now to keep it on my pets and because of the amazing care we have received from Embrace will continue to purchase from them. I will recommend this company to all pet owners, they are legit and wonderful to work with.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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