Embrace | Pet Insurance Review

I did a lot of research on pet insurance before deciding on Embrace. I recommend it to everyone! You couldn't find better and more cheerful customer service. They provide lots of different options for coverage. You can create your own plan. I have 3 cats and each has a different plan. Our older cat, for example, has no diseases or any signs of poor health. But adopting a kitten from a rescue shelter, you just never know, so I got more insurance for him.

This insurance is horrible. Do not buy this. They denied my claim for an isolated incident for my dogs ear infection due to him getting water in his ears. The are trying to say that the ear infection is pre-existing because my dog has dermatology issues. The ear infection had nothing to do with my dogs dander issue!!!! So disappointed after paying all this money for the past few years!! Customer service was horrible! Do not get this insurance!

I was reluctant to get pet insurance but realized my dog is only getting older and will not put a price on my dog’s life. I had little money for premiums so I setup what I would call a ‘catastrophic’ policy- with a $1,000 deductible and 20% copay. And hoped I wouldn’t have insurance hassles. A year later my 14 yr old dog started limping and progressively not walking. It was difficult to go through the progressive diagnostics to get to the proper diagnosis and that was well over a month. Just when a diagnosis and recommended treatment are finally achieved a pandemic hits. There are few AAHA Hospitals with the expertise and technology available for an MRI and hemilaminectomy to begin with. And now many were closed due to COVID-19. It was a struggle to find one, find one open and as we all know you can’t immediately get Veterinary care. Ultimately I drove to another state. Despite all this Embrace proved they weren’t a hassle or haggle. And that was a lifeline during a very difficult time. My claims greatly exceeded my premiums and when it was time for renewal I thought they would drop me. That didn’t happen.

Embrace Insurance Embracers are the very best always there to help anyway they can

I bought this insurance as it was endorsed by USAA, but since then my opinion of USAA has dropped, but after 40 year membership with USAA it is a shock. Embrace took my lump sum premium with no complaint, but as soon as I started filing claims on my sweet little LP they became very uncooperative. I filed three claims, they contacted my vet for records, she submitted them (MORE THAN ONCE). They put those claims on hold because they needed medical records. ARGH. I finally asked Vet to send me LPs records so I could deal with Embrace and not bother her. VET has other things to do but continue to send my dogs records over and over and over again. I copied LPs entire record from Day she was found as stray on street in Killeen to last day Dr R laid hands on LP along with three new claims and re submitting first claims. Now they continue to request medical records. They will gladly complete claims once they get medical records. THEY HAVE THE FRICKING MEDICAL RECORDS. I cancelled my policy but they continue to send me emails requesting medical records. They have never intended to pay ANYTHING. This company is a fraud. Actually I probably should have a total refund of my premium. This company should be reprimanded and all premiums paid refunded to all who paid.