Embrace | Pet Insurance Review

I went with Embrace for insurance and regret it. In the process of processing my first claim (my dog got a tick-borne illness and vestibular symptoms), Embrace reviewed my dog's history. During that review, Embrace focused on the fact that a year ago I asked the vet about a small bump on my dog's leg. At that time, the vet examined and tested the bump (needle aspirate) and said it was benign. Embrace, however, found this in the record and has declared that my dog has a pre-existing condition and will now not be covered for any future masses or any type of cancer. All this because of a benign cyst in his medical history! When I protested they said the only way to get back my dog's coverage for cancer would be to biopsy the bump to determine cytology--a procedure my dog *does not need*--no vet would say this is medically indicated. And if I don't do that, Embrace will deny him coverage if he ever gets cancer in the future. I'm a longtime USAA member and have always respected and appreciated USAA, so I'm really dismayed that Embrace is doing this sort of thing under USAA's name. At this point I'd like to change insurance plans, but now I'm stuck: Embrace has created a barrier to future coverage for a huge category of illnesses for my pet, and the only way I can get rid of it is through an unnecessary procedure and expensive lab work (lab work Embrace won't cover, despite the fact that they're requiring it). But if I switch insurance companies now, any future recurrence of the vestibular / tick borne illness will be considered a pre-existing condition by the new company. So I'm stuck. But you don't have to be--avoid signing up with Embrace!

I really appreciate the way Embrace claim representatives handled the claims from their end. I just send them emails about claims and they submitted all these claims on my behalf and made sure that the payments are sent to me in time. The 5star review goes to Courtney Wallace and Kelly Davis. Thanks for all your support. Bless you both.

I only used this insurance one time and had 3 pets on the policy. I was paying $221 for 3 pets under the very basic plan, which I thought was high. Renewal time came around last week and they increased to $291. That is absolutely ridiculous! I found a much better plan with a different company, Pets Best, for less than what I was paying originally, $175. Sorry Embrace, but you are pricing yourselves right out of business

Helpful, kind staff! Simple, easy-to-navigate app! Quick claim approval!

My dog got very sick and ended up at the veterinary hospital 2 times. She had multiple tests and medications. I filled out a claim online, downloaded my bills and was emailed immediately that the claim was being looked at. The claim was approved quickly and a check was in my hands within a few days. I was very impressed and thankful that I have Embrace Pet Insurance for my Shiba Inu!