Embrace | Pet Insurance Review

I can't say enough great things about Embrace's customer service. My dog unfortunately ended up at the Pet ER (prior to having insurance) and by the time I submitted my first claim the server at the Pet ER had been down and they were unable to access my dog's records AND they had no details on when it would be up and running. I was so frustrated and nervous that if those records were gone for good, I'd be screwed out of pet insurance for my dog. But, I spoke with the customer service and they offered to contact Pet ER as well as my primary vet to check for any records and I'm not sure how they got them, but later that day, my claim was covered! So incredibly thankful for their patience and time to take care of my issue.

You shouldn't make your customers pay out 100% to be reimbursed 90%. You could help more animals by paying once we pay our deductibles.

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!