Embrace | Pet Insurance Review

We have been with Embrace for over 10 years now. We had to call a couple of times and persons we spoke to were always polite and very helpful. I also appreciate fast claim review process and direct deposit set up.

Embrace processes claims faster than any other insurance - pet or human - than I've used before, with minimal or no back and forth for extra documentation. Highly reccomend.

They have continually not followed through with promises made to me when signing up for their service. I should have realized what they where offering outside of what was in writing was BS but I figured since USAA directed me to them they would be trust worthy. I am looking into other services….. not impressed

It is easy to submit claims. When I had to cancel insurance due to my dog passing the lady that helped me was very kind and helpful.

Warning to all considering this insurance company. Our 1 year 2 month old puppy sustained and unspecified injury to his right hind leg, most likely during late night rough housing as it was not observed. After 24 hours we brought him to the urgent vet to determine the extent of the injury. With X-Rays complete the vet noted the injury location and signs/symptoms. During the claims process, embrace decided to correlate one symptom, "Limb Lameness" to a disease/illness to avoid paying an injury claim during the first 6 months of the policy. We were the told to reach out to the urgent care to explain Embrace's claim in which they explained back to us our note repeatedly identified this as an injury and would not provide additional documentation because their notes were sufficient. We had this reviewed by Embrace's claim management team and were directed to get a follow-up with our vet and appeal. Another $100+ we have submitted the documentation they wanted. Our Vet confirmed that Embrace's notes did not make sense and the urgent vet notes were sufficient. They completed a follow-up exam and verified no indication of illness at this time. We have canceled the policy and warn all those that intend on using this insurance company. Response to embrace response: The pre-existing conditions policy is used to side step the injury coverage vs illness coverage. Be warned that this company will self diagnose your pet without seeing them regardless of your vet diagnosis to ensure the injury symptoms are covered by an illness. This puts the injury if applicable into the 6 month pre-existing window. For context this injury occurred 2 weeks prior to the ending of the 6 month window even in the event of it being an illness, this company is not interested in taking care of their customers.