Embrace | Pet Insurance Review

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.

I have tried other pet insurance and the response time was great. The review of benefits and the reimbursement . Not to mention the great customer service I had never had before. Not even from my own personal insurance Co.

The people you have working for you are nothing but Spectacular! Alissa Tyminski and Kelsey Markle were fantanstic and so very helpful. I will from now on FAX all documents instead of sending info through your computer program. Accomplishing a claim is very difficult to say the least. You definitely need more people and I understand and feel for you all having to work many issues during this COVID-19. Thank you so much for your support.

I have been VERY impressed by Embrace's top notch customer service. Every single person I spoke to was extremely knowledgeable and very helpful. When it came to do a review for pre-existing conditions for my rescue, Marco Terrano was very detailed and answered all of my questions via email and over the phone. I am so happy I decided to go with Embrace.

We have had this insurance since our girl was 7 yrs. old....she's now 12 years and still going strong. She has had a few issues with a neck issue, rehabilitation and medication and now some heart issues (mitral valve disease) with more expensive medication (ongoing) but through it all, Embrace has been awesome. They have covered everything according to our plan and we are so grateful to know that they have our back when it comes to needing tests and treatment. We had another insurance with a previous dog and when it came time for extensive treatment and medication, they refused to pay for anything but cremation! Now this does come at a price which goes up considerably each year. But with any insurance, you hope you never need it but it's great to know when you do they are there!