Embrace | Pet Insurance Review

This is the first time I have had insurance on a pet. I could not have made a better choice than Embrace. I have had a couple of claims and they are honest, prompt and pleasant to deal with The claims process is very simple and straight forward, not hidden gotcha questions.

They cover most expenses.

Great services

Read the fine print, and then just understand it's an insurance company with the main goals being (1) collecting your premiums and (2) denying your claims. My dog had a lipoma, but I wanted it tested to make sure it was benign. Because my dog had a lipoma in his past, ALL lipomas and lumps and bumps are considered pre-exisiting conditions, and are not covered. The insurance contract is written in a way to be vague about this, but the staff will go out of their way to explain things in their favor. I am sticking with them for now, despite that they've never paid a claim AND they raised the premium just recently, but only because I have resolved to accept that this policy is nothing more than a catastrophic policy, should my dog break a bone and need surgery, or something like that. For any other purposes, it's useless (and VERY expensive, even with the USAA discount - incidentally, it's disappointing that USAA affiliates with a company like Embrace, as these are definitely shady practices).

Claim process using Portal is clear, quick and user friendly.Wonerful Customer Service.