Embrace | Pet Insurance Review

We had a prior insurance company that one day stopped writing insurance in Florida. After some research and consultation with USAA, we found Embrace which is a referral. While every insurance company has issues, we have been very happy with the speed of processing and the extend of coverage. While we hope we won't need to hit the limits of the policy, we have peace of mind.

Layla got sick so sudden and her care cost a fortune - thank you Embrace for being there and helping save her 6 year old life - she is back annoying me with her relentless tennis ball fetching!

I have been paying my premiums right on time for years with Embrace, but I have spent the last two and half months trying to get them to cover a couple of procedures / surgeries for my dog. First they call the wrong clinic to get medical records instead of contacting the clinic whose name was on the forms I sent them. Then they have insisted over and over and over again that they don't have the complete medical records and my claim is being upheld due to that. My vet has sent the forms over and over again to them. The dog is only 14 months old - how many records can he have? And they have them ALL - multiple copies, but they are still stalling while my credit card charges multiply because of course I've already paid for the surgeries. Save yourself the headaches I have been having and go with a different company!

The process was quick, easy and efficient. They handled everything and reimbursement was quick.

Embrace seemed guenuinly sympathetic about the news. It was nice that the first conversation was not about whether or not the claim would be considered valid. We recieved a sympathy card that was incredibly nice and very personal with handwritten messages. The claim was fairly easy since there was limited paperwork, probly as good or better than any insurance claim. I rated it only an 8 because having to make a claim while losing a dear friend was aweful, and it took 2 months to get word of the completion of the claim. I have paid thousands of dollars in vet bills before getting insurance , and it was nice that during Tanks end of life I did not have to worry about the costs.