Embrace | Pet Insurance Review

I have had this insurance since my dogs were puppies. They are now 9 years old and I am continually impressed with the coverage of my Embrace insurance. 2 Puppies cost money and with this insurance, I can give them the best of care,. The claims are easy to submit and the communication can't be beat. Thank you Embrace

I’m not happy with my experience with embrace. When I first spoke with them before I decided to enroll my rescue dog I told them I have limited information for him. I asked would this be a problem getting claims paid. They assured me it wouldn’t be. I’ve put inn2 claims niw and neither of them had been paid. The reason why because they don’t have soap notes from one if the vets my rescue has seen in another state. I’ve call these vets and they don’t release his information to me because I wasn’t the owner at the time. I feel this company tell you what ever will get you to enroll your pet with them. I have another dog enrolled with nationwide and I’ve had very little problems with that company.

I thought the company was great because of the coverage I got for the price monthly for an older dog. However, my policy just renewed and it went up from 80$ to 150$ per month which is more than my own insurance as a human. My dog is older (9) but we had no claims and no health issues last year, so no reason for the insane increase besides their algorithm. Beware! I will be switching due to a 47% increase if you’re looking for pet insurance. They said 25-35% is the average yearly increase.

As a USAA member I joined Embrace due to the discount. I paid $38 a month for a 1 yr old Yorkie. Now that she’s 2, the price increased to $53!!! In the past year I tried to make one claim, for kennel cough which was rampant. I was denied and told I had to wait a year for her to be cough free!?!? I had taken her to get her shots 3 days prior to my vet visit and noticed a lump on her butt. I ask the vet if it was because of her shots and she said probably. I declined aspirating it unless it didn’t go away. Embrace then said they would not cover any lumps, bumps, or cancer until I had it aspirated. It went away. What am I to test? The vet also told me to brush her teeth better because she has a bit of tartar on her tooth. Embrace said they wouldn’t cover any dental stuff until I had her in for a complete cleaning! I never even made any claims for lumps, bumps, cancer or teeth issues…but it’s like they find a way to block paying for anything in the future! And my rates increased!!! Their website doesn’t work half the time. Terrible customer service. I hope USAA sees this and drops them!!

Excellent customer service … quick response!