Embrace | Pet Insurance Review

I love, love, love this company. My new little pup required extensive and expensive care and Embrace paid all my claims minus the deductible without question and promptly! I have talked about this company to my vet, and she is blown away about all the coverage. I used Embrace for my old nearly 19-year-old pup right up to her end of life and they even fully paid for her cremation and sent lovely notes of sympathy! With Embrace I know I can give my new pup all care and treatment she may need without worrying if I can afford it.

Claim submission process was pretty smooth. Would appreciate sending us the results of your processing the claim and coverage.

I thought this would be an easy company to deal with, associated with USAA. Sure, they employ nice people who are helpful when you call in to dispute a claim that wasn’t covered, but get ready because you will be calling them a lot. You have be extremely specific with your claims and that involves invoices from your veterinarian. I have had 5 claims in one month rejected because the wording used in the invoice is not covered. Once the wording is changed to the specific language in the policy the claim is then covered. However it’s the same thing. I can’t claim “physical therapy” as a broad term because that may or may not include the 5 therapies covered. This is such a headache because I then have to go back to the veterinarian and beg them to change the wording on the invoice so I am refunded. What has been extremely frustrating is my veterinarian expressing her own dismay as “other insurance companies aren’t this picky.” Had I known this I would have not automatically trusted a USAA company to be the best choice. My advice is KNOW YOUR POLICY, and be able to communicate clearly to your veterinarian about what language needs to be used on an invoice. It sucks, in the face of an animal in crisis to have to think about it this way, but alas here we are.

Heather helped me on phone and was EXCELLENT

Although a little slow, after twice submitting documentation, my claim was processed.