Embrace | Pet Insurance Review

We've had Embrace Pet Insurance for over 10 years, 3 small dogs worth. I wish our insurance carrier were as good. Any issues were resolved amicable & they communicated with our vet. There's been knee surgeries, serious health issues & emergency situations which they quickly processed & reimbursed us, promptly. I would recommend Embrace to anyone looking for pet insurance.

Our claims were denied right off the bat for an ear infection that was diagnosed after the start of our policy because our dog had had an ear infection once prior over a year ago. It was listed as a Pre-existing condition. Currently holding them to task for that.

The issue we had took a while for a vet letter and a re-write with Embrace underwriting, but we all got the job done with the corrections that needed to be made. Very thankful to Embrace and our vet.

Unfortunately I changed to this PET ins. I had a good policy but thought if USAA endorsed, the insurance had to be better The annual deductible continues to increase even though it was reasonable at first So I needed to increase deductible. Now I am advised that the policy will not pay for the necessary meds to treat my pets condition. Only paid for Vets fees. Embrace wants me to add additional fee to cover medicine. How can a condition be treated without necessary medicine.? Had I known I would not have canceled the other policy When I first enrolled my Vet wrote that my pet does not have dental disease. I was told that until I had her teeth cleaned dental could not be added to the policy All older dogs have disease. So my pet had to have unecessary cleaning at that time. My pet is senior now so no way can I change to another company. DIsappointed in Embrace's Policies.

I felt the claim review process took an extended length of time during the year end holiday period which is why I am providing a four vs. a five. The customer service phone connection was easy to use as was email communications and the upload of PDF materials. Explaination of benefits were clear and payment/reimbursements we fast!