Embrace | Pet Insurance Review

I am a 20‑year USAA member and chose Embrace only because it was backed by USAA. That trust was misplaced. My experience has been nothing but frustration and obstruction. My 7‑month‑old puppy broke her leg and required surgery. When I submitted the claim, Embrace denied it, citing a hidden “orthopedic form” requirement I had never been told about. How could anyone anticipate their puppy breaking a leg? That’s the whole point of insurance. Now I’m left with a $7,400 bill and no coverage. On top of that, my claim for medication has been rejected multiple times. First they said the invoice was “not legible,” then later claimed it was missing my dog’s name. I resubmitted four times before getting this explanation. I pay $350 a month and have had only one claim approved. The hoops Embrace makes customers jump through are unreasonable and feel designed to avoid paying legitimate claims. I regret switching from Nationwide to Embrace, even with the so‑called USAA discount. This company has been a complete disappointment, and I will be reporting these practices to USAA. Disgusted and regretful customer.

It did take a while to get my first claim completed, but once completed funds were in my account the next day.

To much back and forth to get a simple claim paid in a timely manner. Question after question. Needed proof that I canceled a previous policy from a different carrier. Why should that even matter. I had also recieved a note about pre existing condition. After 4 messages back and getting the proof of the canceled policy it finally went through. I can say that everyone I spoke with was nice and I was not which is not like me but I was ready to cancel and try another company but hopefully things will now go smoother.

I’ve been a client since 2018 for my 3 dogs. I was very happy in the beginning but they will slowly at first, then later rapidly and exponentially increase your premiums until you are forced out. Mine went up over $400 a month for next year!! They are essentially forcing me out. Would definitely NOT recommend!

Medical documents were submitted as requested along with an amendment on the notes. I did not recieve the full reimbursement due to a pre existing diagnoses according to adjuster . I had to resend the physician notes for clarification and now waiting for the case to be reviewed. Takes too long to recieve reimbursement.