Embrace | Pet Insurance Review

Filing claims is very, very simple and the payment turnaround is fast and easy with auto-deposit. I have been with Embrace for 11 years and counting with several generations of dogs. You can imagine some of the costs having "lost" some of my dogs in those 11 years to cancer or heart conditions but my claims were always fully (per my policy) and quickly paid. The one time I had a question about what my claim was waiting, their customer service reps were knowledgeable and personable. I provided the information and the claim was processed the next day.

I have had Embrace for 9 years and I have never had an issue submitting a claim or receiving reimbursement. The staff are kind and courteous on the phone and will spend as much time as needed to meet your need. I would highly recommend this company.

Embrace Pet Insurance has an incredibly simple and user-friendly site for submitting a claim. It takes minutes to complete the process and the system prompts you so your submission is ready for review. Love this company!

It was very easy to use.

They're customer service is great! They've never denied a claim. So far good right? Our dog got a cancer diagnosis. The claims got pretty expensive. We ate up about all the the $5000 coverage. So this year our rate went up to $6474.21. Than means to get $5000 coverage we have to spend the $500 deductible plus our 20% portion ,$1000, plus $6474.21. Full coverage from Embrace will cost us $7974.21! Response to Embrace's reply. I'm not going to go over all of the numbers. Every option I was given, increase the deductible, lower the percentage Embrace would cover or both. The bottom line is the cost of coverage will be well over $1000 more than paying for our dogs medical expenses. With that said, I realize Embrace is not in the charity business. I do feel in this case that honesty is the best policy here. Saying it makes no economic sense for me to continue using Embrace. The expense would be far greater than the coverage is worth.