Embrace | Pet Insurance Review

I have 2 dogs covered by Embrace. The first claim I filed was denied ($5000) and although I didn't agree with their decision, the people were nice and they were recommended by USAA so I didn't fuss much or look for alternatives. I wish I now that I had. I now have a second claim and they will not allow the doctors' fees of $1188 to count towards the deductible, because I financed the charges rather than paying the $1188 upfront during COVID and now they are refusing to apply the charges because they are financed. I've called, the Vet's called to explain but they aren't budging, So now in the middle of Covid, I have had to pay out of pocket $2100 and according to them still have not met my $1000 deductible. The vet said they have never seen an insurance company act like this and don't really know what to do other than cancel my finance agreement and have me pay the balance outright so we can get the coverage. The whole point though is I do not feel i have a trustworthy insurance company that will actually cover catastrophic events as i had wanted them from buying this product. Nice people but do everything they can to not honor claims.

They are quick to review claims.

As I said in the title, I have used Embrace for many years and submitted many claims. Only once did I have any delay in receiving information and payment. Submitting the claims is easy. If Embrace has any questions they respond to you quickly. I have often received my payment for my claim in LESS than a week. I think that's pretty good.

Out of all the different insurance policies that I have, Embrace is by far the most efficient and customer friendly.

I have been with Embrace Insurance with 2 dogs. I am very happy to be a customer. No one wants to have their animals get sick, especially when yo think about the cost. But having the insurance, you pay your bill , file your claim and within a couple of days you will hear from the staff at Embrace, telling you that your claim has been paid. My little Yorkie has had a couple big bills and I’ve been reimbursed for most of what I spent. I highly recommend Embrace Insurance for your fur baby.