Embrace | Pet Insurance Review

I got Embrace insurance so I wouldn't have to think twice treating my Fiji for any illness she may have. Now after 12 years with them she's having cancer treatments and they've been great covering it!

For years I have paid monthly, but since my cats were healthy, didn't get much back(except well cat charges), but it seems that once they hit 11 years old, things got serious. I'm glad they were signed up for this insurance when they were kittens! If it weren't for Embrace, I would have a bill that would take a while to pay. Embrace never argues, they pay the bill cheerfully and I haven't had to make any dreaded decisions because of money. Thanks Embrace.

Worst pet insurance I have ever subscribed to. As far as I am concerned this company is a scam.

Our beloved 14 year old Isabella suddenly started experiencing intense pain and within a week it progressed to screaming pain nonstop where we had to get a slew of scans and tests done at an emergency vet. The quote was a very scary amount of money, and while we could never put a price tag on our Isabella and her health and we would go broke trying to pay her bills, we had tremendous anxiety about how we were going to be able to afford everything she needed in order to get better. Embrace was wonderful. Not only did they pre-authorize everything over the phone as soon as I sent the quote over, but they covered the full amount of the quote ,contingent on what services will actually be used In treating her. To say this was a godsend is an understatement . My husband and I were both unemployed for a long time due to covid, and even during “good times”, paying these bills out of pocket would have crushed us. Embrace and their staff and representatives handled all of this with a level of compassion and empathy and patience that I can only attribute to the fact that they are all pet owners themselves and have probably experienced similar stress and fear and anxiety over their furry family members.

We originally got Geico Embrace at the recommendation of a friend but have had a horrible experience. This is largely my fault, because I failed to understand that all claims go IN FULL towards the deductible rather than being reimbursed 80% with the 20% going to the deducible. Having Embrace has not saved me any money. Instead, so far it seems that I am paying full price at the vet and full price with Embrace! This is truly only good for catastrophic events, and in my mind we are better off saving up our own money for emergencies rather than relying on the incredibly slow approval process at Embrace. We filed our first claim in August and are still waiting for approval in mid-October.