Embrace | Pet Insurance Review

I have been a customer of Embrace for 5+ years, as I compete with my dogs in agility and am a USAA member. I also have a low deductible and a high reimbursement; if a dog gets injured, even an initial evaluation with the vet can run $800-$1000. The good: Embrace covers most of my claims. If a claim is accepted, they are pretty quick about disbursing reimbursement. The not-so-good: Embrace uses AI to review claims. I've had claims rejected because they use the word "ultrasound," and AI cannot distinguish between therapeutic and diagnostic ultrasound. This leads to a very quick rejection of a claim; unfortunately, Embrace takes its time reviewing the additional information they request, delaying claim processing. The bad: My dogs undergo regular therapy to keep them in top form (as prescribed by my vet). The rehabilitation facility offers tiered pricing, which includes therapeutic exercise, underwater treadmill, laser, and physical manipulation -- all for one price. Embrace regularly rejects these claims because "physical manipulation" is considered "massage," and they do not cover therapeutic massage. Other modalities, such as shockwave, are not covered. Even though the price of shockwave has reduced dramatically (from $700/session to $175/session), and it is an evidence-based therapy, Embrace does not cover it. In fact, Embrace will not cover many proven therapies, including Veterinary Orthopedic Manipulation (chiro), Massage, PEMF/TENS, Extracorporeal Shock Wave Therapy.

Very helpful and friendly staff. Neighborhood rumors are very true...the Edge Hospital is a great place for Vet Care for your pets.

I have been with Embrace since Jasper was 3 months old, he is now 7. We have had a 2 claims, both were paid quickly and no question on them. From typical puppy antics to a recent very serious unexpected back surgery both were a breeze to file and get reimbursed on. I have a moderate deductible and a cap of $8000. It did go up after this last claim but he is getting older and the customer service person worked with me to get the renewal down. I used to have wellness on this policy as I believe in preventive care but It was really not worth it in my opinion. Glad we had this policy for this last unexpected emergency.

They used to be good. But, once you renew your policy, they start doing whatever they can to deny claims, their responses get slower and slower, and their prices go up. They try to relating EVERYTHING to a prior condition in an effort not to pay the claim. My dog recently visited an ER because she had bloody diarrhea. They denied the claim because she has a previous condition of osteoporosis-artheritis. Huh??? No longer happy - at all!

We filed a claim and our insurance rate doubled every month. Talked to them and said that happens and wanted me to take some things off the insurance plan to bring it down a little bit. To have it doubled is pretty bad, so disappointed in the insurance. So beware if you file a claim!!