Embrace | Pet Insurance Review

I have another dog with different insurance and getting onboarded and getting claims paid are easy and fast. We had a claim in July and it is just getting paid in October. So much work for our vet and myself. Thought USAA affiliate would be better it has not been easy. Price is okay.

Embrace excludes pre-existing conditions, as do other insurances. This works against the efforts of the greater society to see to it that shelter dogs and older dogs are adopted. There is no option to pay a higher premium to include pre-existing conditions. More importantly, as near as I can tell, there is NO downward adjustment of premiums to offset the exclusion of pre-existing conditions. Premiums have been steadily increasing at about 20% a year, rapidly putting pet insurance out of the reach of all pet parents except for those who don't really need it. That being said, this was my first time filing claims in 3 years, since I rarely meet the deductible. I filed a year's worth of claims in one day. They were all processed within 48 hours. Staff is friendly, except for when you call to rant about the increase in the cost of premiums. Yes, my furbaby has a recent cancer diagnosis, and Embrace will do nothing to help. With all the money they are raking in, you'd think they'd find a way to offer small grants to those of us who are being denied coverage due to pre-existing conditions. What was the pre-existing condition? A drained cyst.

Embrace was gentle and compassionate to my needs ✨️. I lost my Lacey in January, and my Gunter in August. Both were senior dogs, and my constant companions. The claims process was very simple. The response was immediate and the claims were processed quickly and efficiently. I highly recommend them. When I find my next furry friend 🧡 i will be sure to have them covered by embrace. The name Embrace, says it all.

So easy to work with. Quick responses. And the girl I spoke w was very nice and very helpful. My only wish is that I had more coverage for Lacey. Injury was expensive. I’ll have to look into changes on my renewal.

Not happy. I've submitted a few claims and it seems the only thing that has been semi covered was my dogs spay. I received $250 but I paid that extra. If I wouldn't have , then I wouldn't have even received that. I signed both of my puppies up as soon as we brought them home at 9 weeks. Maybe I should have just saved my money and used it towards vet bills.