Embrace | Pet Insurance Review

I will not be using them again. I signed two dogs up ($1,600) and filed a claim in May. I am still waiting for them to decide whether or not they will honor it. They require you to jump through so many hoops and one of the vets I used one time did not provide the info in the format they require so they just put the claim on hold. I attempted to get the records myself but got the same records they sent to Embrace, which they find unacceptable. The info includes everything but the cost, including notes, so not sure what they want. The cost of the visit has no bearing on my claim. I am not really sure what they are missing so not sure how to help rectify the situation. Because they require all past records without this one visit none of my claims can or will be processed and the other dog I have will be the same way if I were to try and file a claim on him because I have the same type of info on him which they find unacceptable.

The ease of submitting a claim and the QUICK turn around time for those claims is great. My only complaint is that it seems, when I initially signed up for this insurance, despite thinking I got the same coverage, deductable, and max amount per year, I didn't. I now have 4 pets and none of their amounts are the same. Then I found out that, in order to make adjustments, it would completely restart their waiting period and any claims we submitted would be considered pre-existing conditions. This is very frustrating but I am stuck so I will keep the varying levels and make due. You only have 7 days to make changes!!

I have been a USAA member for more than 50 years and I believe this is the best auto/homeowner coverage available. Based on my positive experience, I purchased our pet insurance through Embrace. I couldn't be more pleased and relieved this company meets all the standards I've come to expect from USAA. Coverage is easy to understand, explanations are clear and concise, and every employee I've spoken or communicated with has been exceptionally courteous and professional.

Very professional and knowledgeable representatives. Quick claim response with detailed information.

I am impressed with how quickly Embrace responds to claims and the thoroughness of its review. The only thing I do not like about the coverage is that if you submit a claim for a injury or illness that was not preexisting issue at the inception of the policy, it subsequently gets added as a non covered item. That's not what happens with health insurance for people.