Embrace | Pet Insurance Review

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!

On Dec 12 2023 we took Charley in for his yearly visit. At that time he had been eating less and had vomited the night before 3 times. Did labs that didn't look bad. Then had xrays to see if he ate anything unusual. From there he had phenmonia. Lungs had fluid. After we got fluid off with food stimulant and antibiotic he is great now. Embrace was great working on his claims and dept money in our acc after deductible and 20%. The only thing is our monthly amount went from 112 to 151 dols a month. We have been with embrace 5 yrs amount has gone up alittle each yr but this yr is a 40 dol a month increase just wondered if it was due to Charley's claims this yr most other yrs were minimal claims Thanks Donnita Valerio

Fast claim process and quick payments Representatives are kind and friendly

I have always had good experiences with Embrace. They take good care of our Ozzy. This is a must if you have pets.