Embrace | Pet Insurance Review

EMBRACE HAS BEEN SO EFFICIENT AND EASY TO WORK WITH. THEY ARE SO ACCOMODATING AND CARING. IF ONLY MY PERSONAL HEALTH INSURANCE WAS AS EFFICIENT AND CONCERNED!

Dog needed emergency surgery. I’m so glad I chose Embrace. Excellent service and response. Very nice support people to talk with.

My dog needed to have an ultrasound done, and I was glad to have it covered by Embrace. I received payment back soon after it was done.

Embrace is the worst pet insurance I have ever had! Do not be fooled by their price and coverage! They are the epitome of what insurance companies' true intents are. They want to take your money and when it's time for them to pay up they will try to find every loophole in the book not too. I went with embrace because they are partnered with USAA. NOT THE SAME SERVICE! Embraces policy states that your pet will need to have had a medical evaluation at least 12 months prior to or two weeks after activation of service. If this does not happen then any accidents will have a two-day waiting period, illnesses will have a 14-day waiting period and orthopedic issues will have a six-month waiting period. But their policy also states that if the evaluation does not happen your coverage will revert to accident only. Very confusing... on purpose I am sure. My pet insurance was activated on the 15th of March. On April the 4th my dog was attacked by two strays who were walking the streets unleashed. After taking my dog to the emergency room. I filed my claim with embrace and they stated that they were not able to get a hold of my veterinarian so they needed me to send his medical records so that I may be reimbursed. When I sent them the records they refused to reimburse me because my vet had not completed a medical evaluation due to his aggression. Of course, I did not know this but it should not matter the two-day waiting period had passed!. He was seen by my vet, I thought I was good. My dog being attacked is not a pre-existing condition so I do not know what the problem is? My dog is a very loving dog he just does not like to go to the vet and admittedly so needs to be muzzled to go. Now Embrace is sending me emails about how since he is labeled as aggressive they will not cover him at all! To me this is plain and simple there is no medical evaluation but the two-day waiting period has passed so he should be covered.

I have had Embrace Pet Insurance for a year now. Their portal is easy to upload and follow the claim and their service has been excellent. It does not matter who you speak to when you call up they are courteous and friendly and everyone of them have pets (that I spoke to) and understand and sympathize with whatever is going on. I highly recommend this company! My personal experience with them has been outstanding.