Embrace | Pet Insurance Review

Hello this was my first time submitting something this way and I must say that u guys were very helpful and I appreciate ur help thanks again

Did not accept my claim for accident even though it was after the waiting period

Absolutely terrible company. My husband and myself are prior military, and where recommended to use Embrace Pet Insurance through USAA. We opened the insurance around January of 2021, for our two German Shepherds. We adopted one of our German Shepherds after the policy was opened and took her in to get vitamins and deworming as you do for puppies. They took care of the claim. Fast forward about a year later our youngest German Shepherd turns one. She is loosing weight rapidly, eating everything in site, has issues going to the bathroom. We take her into the vet to get blood work done to find out she has a pancreatic disorder which will not show in dogs until around age one. I submitted a claim and got denied because it was a pre existing condition. I appealed the claim With a letter from the vet stating that this is NOT a pre existing condition. And they once again denied my claim. I got an email for the denial at 1:48, called the office at 1:50 the same day, to ask a few questions and cancel the insurance I've had for over a year and paying $200 a month for, and for over a year now. But of course no one was able to answer my call. No one was in the office stated the woman I spoke to, to cancel my insurance. How is it that in two minutes, no one is able to speak with me? And why have I been paying $200 a month for the insurance and them not cover something when I really needed it. USAA should be doing business elsewhere.

After I struggled paying for my late cat’s vet bills earlier this year, I vowed to always have pet insurance to help with their medical bills. I set out to find the perfect pet insurance option for me and my fur babies and I landed on Embrace Pet. I’m so glad that I did. They have been wonderful helping me with not only illnesses, but they have a great wellness plan too! My best friend of nine years, Major Watson, is wagging his tail for all their help. He recently got diagnosed with congested heart disease. While that is very difficult news to learn, I can rest a little easier knowing that Embrace is here to help us through this challenging time. Our new kitten, Max, says it’s paws-atively amazing that his big brother is getting the best veterinary care with Embrace’s help so they can continue playing. A pet parent shouldn’t have to make a decision based on financial limitations when making crucial medical decisions.

I placed my first claim for our dog Milli and the entire process was so simple and fast from beginning to end. I am not tech savvy at all, so for me to say it’s simple is huge. They sent my check before I even expected it. I am beyond happy with this first experience.