Embrace | Pet Insurance Review

I had a policy with embrace for two years. All of my first year claims were denied. In my second year my dog unfortunately had breast cancer removed, embrace covered $1100. On the third year renewal after only paying out $1100 in two years, embrace TRIPLED my annual premium. It was fine and dandy when they were collecting my money without paying claims but then the second they had to cover something they price gauged me. Cancelled same day.

Everything is done very quickly and professionally.

Everyone was so helpful and kind. They looked into the situation and fixed everything. Thank you

Filing a claim was quick and easy and you mailed a payment very promptly. No hassle

I am a 20‑year USAA member and chose Embrace only because it was backed by USAA. That trust was misplaced. My experience has been nothing but frustration and obstruction. My 7‑month‑old puppy broke her leg and required surgery. When I submitted the claim, Embrace denied it, citing a hidden “orthopedic form” requirement I had never been told about. How could anyone anticipate their puppy breaking a leg? That’s the whole point of insurance. Now I’m left with a $7,400 bill and no coverage. On top of that, my claim for medication has been rejected multiple times. First they said the invoice was “not legible,” then later claimed it was missing my dog’s name. I resubmitted four times before getting this explanation. I pay $350 a month and have had only one claim approved. The hoops Embrace makes customers jump through are unreasonable and feel designed to avoid paying legitimate claims. I regret switching from Nationwide to Embrace, even with the so‑called USAA discount. This company has been a complete disappointment, and I will be reporting these practices to USAA. Disgusted and regretful customer.