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Embrace is not a trustworthy company
I took my dog in for his yearly checkup and the cost for shots etc was $394.00. I had the wellness benefit so assumed Embrace would cover minus the deductible. My claim was denied because the service was on July 11, 2025 and the policy renewal wasn’t until 10 days later. I have been payjng my policy premiums monthly since the inception of my policy. I called Customer Service and was told because the service was before the renewal date that I had met my Wellness Benefit and would not receive my benefit.
Insurer: Embrace
By: Mabel Alexander
It was very easy to sign up
It was very easy to sign up! I have not needed to use yet but if I do I hope it goes smoothly!
Insurer: Embrace
By: Han Feuer
Clear and well explained
Clear and well explained. Thank you
Insurer: Nationwide
By: Steve Hellersperk
Ease of filing a claim
It was so simple to file a claim. Don't know about the result and just appreciated not having to fill out a lengthy claim form.
Insurer: Embrace
By: Laura
Used to be great... now any other insurance company
Trupanion is fine... sometimes. Over the past two years it appears they are desperately trying to not pay claims. In particular, recurrent health issues with your pet are becoming a challenge. This is because the claims specialists "tag" each claim. This is done manually, and often has significant error. As such, you wind up paying deductibles multiple times. Trupanion isn't particularly helpful on this issue. They explain that they "cannot initiate appeals" legally, but are unable to answer why this is a legal requirement when pressed. Moreover, they put the onus on the customer to try to link together all records (which are in their claim system already), populate an extensive form, etc. It appears that Trupanion is trying to leverage this tactic to make it a highly manual and labor intensive process, making the customer "give up" in the process. I'm also surprised that Trupanion is one of the few companies where I do not see a NPS question after an interaction or are offered the opportunity for a survey. I used to highly recommend Trupanion, but now I would say to avoid and consider other options.
Insurer: Trupanion
By: Ben
Zero stars
If I could give zero stars, I would. I have had a policy with Embrace Pet insurance for more than two years, at a cost of $85.79, for a total of more than $2,000. They have turned down both of my invoices for reimbursement for timing reasons, which is absurd. They first requested documents which both I and my vet provided multiple times, dragging the process out for months. They decided that they no longer accept JPEGs or DropBox files somewhere during those weeks. DO NOT EVER USE EMBRACE, unless you want to be effed.
Insurer: Embrace
By: Rosina Pavia
Second claim with the same great service!
This is the second time I have had an emergency with a pet. The first was a hospitalization with a German Shepherd who had an unknown illness, and the second was a juvenile rattlesnake bite for a different German Shepherd. Both times, the confidence I had in the coverage of Pets Best insurance eased some of the stress of the emergency and allowed me to focus on our dog's care. Thankful for the quick processing of claims and the professionalism of the process.
Insurer: Pets Best
By: Mel C
Claims and reimbursements are so…
Claims and reimbursements are so quickly processed!
Insurer: Trupanion
By: Kelly
A scam. They won’t be there when you need it
It s simply a scam. I been paying ASPCA many years for my doberman as a preventive measure for when my dog gets old and need veterinary care and what happened is that when she turned 11 the monthly payment was raised to 292.53 dollars and when she turned 12 years the monthly payment was raised to 469,86 dollars. I started years before for less than 80 dollars. I been forced to cancel the insurance before she passed away because the total amount covered was less than the cost of the year. If you are thinking to take the insurance for use it when you will need it most think it twice.