Embrace | Pet Insurance Review

Listen, Listen, Listen pet owners! If you have pets and do not have pet insurance, then you need to put your Takis down and get on the phone (or computer) and enroll your pets in Embrace Pet Insurance, like now. If you are a USAA member and you have pets, we need to talk because you are missing out. Where should I start? First, USAA members get preferential treatment when it comes to how they take phone calls and how claims are processed. For example, USAA members are moved to the front of the line for customer service and policy related questions. Second, claims are processed within an average of an hour. To be more specific, my last claim was submitted and processed within four minutes with a reimbursement direct deposited into my account two days later. Third, this is pet insurance that you can afford, but insurance that you cannot live without. Qualified claims are reimbursed at 90/10 after a decreasing $150 deductible by $50.00/ healthy year without claims. Fourth, claims are so easy to submit, my cats could submit their own claims (if they learned how to use a computer of course). Just start a claim, upload the Invoice, upload the soap notes, enter the diagnosis, chose the animal in question, press submit and enjoy. It is that easy. Fifth, my pet insurance premiums is low, and I receive a discount for each subsequent animal. Oh yeah! Some additional things to consider: Embrace Pet Insurance representatives are respectful and responsive. They are quick to answer your questions without the phone call shuffle. PLUS, they care when your fur baby is sick. In all, if don't have pet insurance, and you have pets or you are a USAA member who has pets, then you should get on covering your pets. You never know when you will need it, but you will be glad to have this insurance when you do need it.

Worst experience ever. They used extremely flimsy claims of preexisting conditions to deny every single dollar that I sent in for reimbursement. Yes, literally every single dollar over an entire year of reimbursement claims were denied. Avoid like the plague. #freeluigi

Hassel free claims - immediate payment. So easy.

Easy to submit a claim. Stressing over my sick pet so this helped.

Embrace was great for over a decade, with reasonable annual rate increases and painless claims, until about two years ago. That’s when they were bought by JAB and both my dogs’ rates suddenly doubled, even when adjusting for age. Embrace then began refusing every claim, pretending there was “no diagnosis code,” requiring five back-and-forths between me and my vet and Embrace before any payout was made. We now have preexisting conditions and it’s too late for us to switch carriers, so we are stuck with a plan almost expensive to use. I thought I was planning ahead responsibly for my dogs’ health in old age, and instead JAB and Embrace has ruined our finances. Zero stars.