Embrace | Pet Insurance Review

Helpful, courteous and patient!

The claim filing process is easy. The claims are often processed quickly, with the money deposited directly into my bank account. My most recent experience was canceling my coverage due to the passing of my Great Dane. The two people I talked with were both friendly and efficient. My annual policy payment was refunded from the date of my dog's death, even though I did not call immediately. The funds arrived in my bank account very quickly.

I opted to try Embrace due to being a USAA member and previous company continued to have escalating premiums when both are young and healthy. Embrace so far is good but the sluggishness of the website is frustrating and generates numerous duplicate invoices and can imagine the frustration when reviewing for payment. This is my second invoice since having the plan will see the claim payout as the first one 0 ;-(

Embrace never wants to pay out a claim they look for every reason to make your life difficult. Time is money and it’s a waste of time to pay $100 a month.

I wanted to love these guys. I'd had a very positive experience with my previous company, but the premium prices were escalating rapidly. I was able to insure both of my dogs for the price I had been paying for one. The catch was that, even after two full years with this company, they continually declined every single claim, based on "needs more documentation," or in one case, my dog had had a small blemish, which had been looked at about 3 years earlier. When the doctor elected to remove it, this was declined as a pre-existing condition. It was basically a pimple, and these guys informed me that all such claims would now be excluded. I decided that if we were going to have to plan on covering all vet bills and nothing was covered, I wasn't going to pay premiums as well. I'll put that money in a special account and it'll be there when we need it. Also, they notified us that our premiums were going from $167 a month to $350 a month. No thanks.