Embrace | Pet Insurance Review

Customer service is great and I have the coverage that my dogs and cats need. I have filed claims and was reimbursed quickly. My only issue with this company is that they are quite pricey. But, they all seem to be. What's more, some of my cats and one of my dogs are seniors, which boosts the costs substantially. I highly recommend pet insurance and do recommend Embrace. But know that, whoever you go with, it will be expensive. However, if an emergency comes up, it will save you money, and perhaps you cat's or dog's life. You never want to have to make a decision about life-saving surgery or a procedure against the cost if you don't have insurance.

It was easy. Just hope it’s not a problem getting my refund back 🥰

It's decent. You gotta mandatorily wellness exam your pet as part & parcel to insurers No Pre-existing Conditions clause, so plan on set up this way: 1) Find a DVMs who waive wellness exam fee secondary to this requirement, 2) carefully review Treatment Plan, 3) initiate Embrace policy with a projected date, 4) schedule preliminary treatments like vaccines, 5) correlate beginning date of policy with wellness check vaccine compliance in rear view. My kitty was current on everything except W.E., so anything that may happen would be legally pushed away from coverage until first a DVM clarifies that no issues exist on start date. Another decency with Embrace, you're allowed full refund while you figure the above terms out for first 15 days.

Excellent customer service provided by LANI. She was so helpful and very knowledgeable. My experience was so awesome. I love this Pet Insurance. I have two furbabies that deserve the best. Thanks so much for everything.

Classic bait and switch scam. I was a long time Trupanion customer and switched to embrace since it was offered thru USAA and offered a better rate. Since I trust USAA, I figured they would only affiliate with another trustworthy company. Here I am at my first policy renewal and they have nearly DOUBLED my premium!! I’ve made no claims. Now I’ll have to go through the work of switching back to Trupanion, hopefully at a decent rate, but certainly higher than if I had stayed with them.