Embrace | Pet Insurance Review

Overall, Embrace has been amazing. It's on the higher end of premium costs compared to others, so with that, I expect higher service and they have definitely delivered on that. We have had a policy with them since 2019 and have only had 1 or 2 "issues" and it's really just been with the claims person who was handling our claim. I won't get into detail because I truly think it was her lack of effort, not the company as a whole. Embrace makes it VERY easy to submit claims and they process them quickly. Like in less than 24 hours. This is new and improved but it matches the service I expect for my monthly premium cost. Their online portal is easy to use and overall we are happy with them! We get a discount for being USAA customers, so I would see if your current insurance plan has a deal with them as well!

Thank you Embrace, you made my first time claim easy to file. Customer Service, prompt updates to keep me advised, explanation of what would be covered was easily understood. Payments sent with no issue at all. Thank you, I would recommend Embrace to all my friends with pets.

We got this insurance when our dog turned a year old and it ended up covering a large ER bill shortly after. The process for submitting a claim is super easy (you can do it from your phone!) and the turnaround time is less than a week. If you have a dog that frequently gets into trouble, this is a must have.

Embrace has been absolutely wonderful. We have 4 pets (2 cats/2 dogs). Embrace has covered everything from pets UTI's to surgeries. Claims submission is easy and processed quickly. We highly recommend them!!!

Everything looks good on paper and all the pretty ads and probably fake reviews and support that they get. I bought the most expensive insurance plan they had. Embrace Pet Insurance has denied 6 out of 7 of my claims to date. They claim "pre-existing" conditions for everything and find ways to link things together to make them all related. Obviously a pets body parts are all connected. Even after my Vet wrote to them a full statement saying that my pet did not have this pre-existing condition, they still denied my claims. This is the usual fraudulent insurance practice to deny as many claims as possible and keep collecting premiums. I recommend you take your business elsewhere unless you want to try to fight claims all the time. Their Director of Underwriting and Claims carries a bachelors in biology and was a claim adjuster for a year before taking on the role per her LinkedIn. Thats your professional claims leader. I can no longer claim my dogs issues now that he really has a pre-existing condition. Good luck if you want to try them and take this risk.