Embrace | Pet Insurance Review

I've been using Embrace for years. Claims are easy to file. Response time is quick. EOBs are easy to understand, and reimbursement checks are sent in a timely manner.

Easy to submit claims and quickly received refund checks on 7 claims that were covered. Vet care adds up quickly with 4 cats & 2 dogs. wish i had gotten this coverage earlier for rescue dog that had treatment for heartworm.

Having been part of the Embrace customer family for 2 years, I can't say enough about them and how amazing they have been and continue to be. We signed up our puppy when she was about 5 months old. Now that our girl is 2.5 years old, last summer she suffered a CCL injury which required TPLO surgery. This week, our "clumsy turtle" of a heeler mix is due for another TPLO surgery on her opposite leg. Today we had an x-ray series done for the ortho surgeon/specialist to make sure surgery is still medically necessary and also get those pre surgery meds. Submitting claims are super easy. Of note, we went through the preauthorization process (which I strongly recommend!!) to ensure everything goes smoothly. It was easy to do, and gives me one less thing to worry about as our sweet girl recovers :) Thank to all the folks at on the Embrace team for helping make our lives a little easier. We appreciate you so much!!!

Rachel and another lady in the insurance coverage department were both very pleasant and very efficient! So far, so good!

Very happy with this service for the last 3-4 years. I only wish their claims review/reimbursement was much faster. But, customer service is friendly and caring.