Embrace | Pet Insurance Review

just submitted my first claim with Embrace. It was easy to submit. So far very happy with my experience.

Customer service representative was a complete professional in all respects. Courteous and knowledgeable and the product is exactly what we were looking for. USAA's recommendation was icing on the cake!

I am able to properly care for my animals because I have Embrace and they are so easy to work with.

I have found Embrace to be very easy to use and quick to respond to questions and processing claims.

Negative Review on Embrace Pet Insurance I’m deeply disappointed with the treatment I received from Embrace Pet Insurance agent "Nick" from TN when I first called in regarding the cancellation of my dog’s policy. After being told four different reasons from four different people after the initial call with "Nick" from TN why my pet’s insurance couldn’t be reinstated, I’m left feeling frustrated and misled. Here’s what happened: 1. Contradictory Reasons: I was told my dog’s age (over 4 years) disqualified me under California state law and insurance board regulations. Then I was told I couldn’t reinstate because I responded two days after the policy was canceled and couldn’t pay the past due amount for this month. None of this was clearly explained or consistent. 2. Misleading Information on Their App: My app showed my next payment wasn’t due until the second week of December. When I brought this up, the rep told me the app’s information is “not current” and that I need to check online for accurate details. Seriously? Why have an app if the data isn’t reliable and runs currently with the website? I advised them I have a screen shot of the statement before the app locked me out but they did not want to address that. 3. No Accountability: When I pointed out the discrepancy, there was zero accountability. Instead of addressing their shortfalls, they shifted the conversation and dodged responsibility. 4. Lack of Compassion: I explained that my email was hacked, my bank accounts compromised, and I had to reset all my payment information with my creditors. Every other company I dealt with was understanding and helped resolve the issue—except Embracer "Nick". Embrace refused to work with me, even though I was only one day late due to circumstances beyond my control due to hacking of my personal and financial information. This lack of customer care and their unwillingness to help resolve an issue caused by inaccurate information on their part is unacceptable. I would not recommend anyone, especially those with USAA, to use Embrace Pet Insurance. Their rigid policies, poor communication, and lack of empathy for customers are shocking. Save yourself the frustration and look elsewhere for pet insurance.