Embrace Review
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Reviews 9081 
Tom D
Outstandingly straightforward website…
Outstandingly straightforward website allowing for swift completion of claim filing!
Edward Kruck
Zac's Health Ins.
I found Embrace website easy to navigate, options were many, payment options are great, we prefer annual and that was available.
Richard Thompson
Have always received expedient handling…
Have always received expedient handling of our claims with a clear and understandable explanation of benefits
Deborah Laury
Representatives are gracious and helpful
Representatives are gracious and helpful
Teah
Embrace Insurance has been amazing
Embrace Insurance has been amazing. The claim submission process is so easy, uploading Medical Records is just a click and done. The most amazing part is the timeframe from submission to processing to payment. They are extremely efficient!!!
Ruth Friedman
Easy website to navigate
Easy website to navigate
Vincent Abruzzese
Claim for sick dog visit to our vet
Claim was submitted for visit to our vet due to vomiting and diarrhea. The claim process was simple and easy. Claim was completed within a few days with detailed explanation of coverages provided. We are 100% satisfied with Embrace pet insurance.
Jacqueline Kimmey
Really like this insurance
Really like this insurance - policies are clear and easy to submit claims (unlike my experience with home insurance!). I do not recommend the wellness rewards - thats really just a pre-pay savings plan, not insurance. But the remaining coverage is great, claims are easy to file, and have never had unfair claim denials.
suzan syron
Such an easy process
Such an easy process! it took less than 5 minutes to fill out, attach the invoice, and submit.Thank you for making it such an excellent experience
Christian Barnes
Good pet insurance company
Good pet insurance company. They are very helpful and great customer service support team.
Leonor Fernandez
"Peace of Mind After the Shake-Up – Thank You, Embrace!"
When Nationwide Pet Insurance unexpectedly pulled out of Florida, I was left scrambling to find a reliable replacement. After doing a lot of comparison shopping, I chose Embrace, and I’m so glad I did. With my anniversary coming up in October 2025, I can confidently say Embrace has been a solid choice. Insuring an older pet can be challenging, especially with pre-existing conditions not being covered, but Embrace was upfront about everything from the beginning. Their transparency, honesty, and patience really stood out. They answered all my questions thoroughly and even helped me compare options to make the best decision for my pet’s needs. It’s rare to find this level of support and customer care. I highly recommend Embrace to anyone navigating the complex world of pet insurance, especially if you're doing so under time pressure or with an older pet.
Amy Anthony Yoga Sound Healing
Astronomical increases (1500%) but Good insurance
We had embrace for two of our dogs, about 11 years. I am very grateful we decided to get insurance for our 2 Great Danes. The claim reimbursement process is really fast and easy. There was one claim they denied, we spoke to them on it and they changed their mind. What I did not like (and I know all of us with all insurance can relate) is that my 2 dogs started with Accident & Illness plus Wellness for $75 for 2 dogs. Then as time went on the premiums would increase some years by 125%. Initially I canceled the Wellness to account for my budget and the increase. But year after year the increases were eye popping and if not at that 125% amount very close to it. I was so sad because we had paid for the insurance all of the years but finally with my one girl left they wanted to charge me $600 / month. I just could not afford it. So in the end, when I really needed insurance they astronomically raise my rates to get me to leave the plan (that's how I viewed it). Now that I am looking at getting another dog I am researching other companies. Had Embrace not done that at the end I would have used them for my new dog without question. So again Started at: $75/month $800 deductible 80% reimbursement 2 Dogs Wellness, Accident & Illness To: 2 Dogs with above Removed Wellness Escalated over 8 years to $450 /month Then: 1 dog passed 1 Dog with Accident & Illness $600/ month (when I finally had to cancel my policy because I just could not afford it.) 2 dogs $75 ending with 1 dog $600 1500% increase in monthly premium (and removing the wellness benefit)
James Nathan
I HAVE EMBRACE THROUGH USAA INSURANCE
I HAVE EMBRACE THROUGH USAA INSURANCE. IT'S BEEN A TERRIFIC POLICY FOR FIVE YEARS IN TERMS OF SERVICE AND RESPONSIVENESS.
Ruth Nelson
NEVER ENDING APPRECIATION FOR EMBRACE!!!!
I will leave my review for my never ending appreciation for Embrace. This is the seventh year I have had them and can't imagine a better insurance coverage for my GSP. Embrace has always been there for me and I'm so glad I chose them. They pay in an exceptional timely manner and when I've had to talk to any of their representatives, it's refreshing to know that they still know what Customer Service is all about. Thank you for all the support for the last seven years (and hopefully many more)!
Boo Robinson
Do not like the fact that I've had a…
Do not like the fact that I've had a policy 4 over 2yrs n hav yet 2 receive 1 dime bk frm Embrace! But $136 is being deducted out of our act. EVERY MONTH!!!!!!!
Jeanette Fuller
Embrace is Good Value
The website interface is simple and easy to navigate. The customer service has always been easy to reach and helpful when trying to coordinate between claims and the veterinarian. It isn't inexpensive but you do get value for the dollar you spend with veterinarian fees going up and up.
rochelle pollack
Wonderful company to work with
Wonderful company to work with. Everyone I have dealt with in the last year are ALWAYS FRIENDLY AND HELPFUL! Their reimbursements are extremely efficient and fast! They have been wonderful to work with!
Charles Stengel
It's so easy
It's so easy. Only takes 30 seconds. as easy as doing this review
Ivan
MR.Joe
The Costumer representative was very professional, understanding, patient and knowledgeable… Thank you for my first time using this insurance……
Kahleena
Highly recommend
Highly recommend! Always easy to contact and they have such a smooth process for claims. I am so thankful we have Embrace for our two fur babies!!
Linda Nakama
I LOVE my experience with Embrace
I love my experience with Embrace. They process your claims so quickly, normally the same or next day which is unusual for any insurance claims. Very happy with my experience with them and we've used them for over 10 years. I would highly recommend them to anyone.
Debra Kamino
So very easy to work with
So very easy to work with. I'm very pleased with Embrace.
Jonathan Tanz
Fantastic service
Great service, very prompt and excellent service in submitting claim and fairness in review of claims with insurance provisions in policy!
Robert
Easy claim process
Easy claim process, next day notification of claim payout!
DEBORAH SONNER
I sent in my claim and they got to it…
I sent in my claim and they got to it promptly. No headache or worrying. They are polite and kind and very fair.
Sue Myers
Sahara was really nice and we had a…
Sahara was really nice and we had a nice conversation
Martin Brick
was taken immediately
was taken immediately , dog was sedated for the difficult parts of the exam so she would not panic - gave very specific instructions for home care
Skye Vivian-Kirk
Easy to submit claims
Easy to submit claims. When they are denied, an explanation is given. The agents display kind and empathetic words as well.
Leeann
So Worth It
Ashley was extremely helpful in getting me a good monthly premium that still covered my dog properly. I have not have to use this insurance often, but when I have needed too I’ve saved thousands. For example, my dog had to have two lipomas removed and it would have been $3-$4k out of pocket, but after insurance I only paid $250. The process for reimbursement was very simple and quick. I recommend Embrace to everyone with pets!
Irma T Gonzalez
I love the whole process
I love the whole process, submitting a claim is very self explanatory, I receive my refund in 5 days.
Xiomara Bencomo
Tiffany was great in helping me get new…
Tiffany was great in helping me get new coverage. She was so friendly and understanding. Great customer service !
Andrew MacQuarrie
Very easy to work with
Very easy to work with. Quick and easy to submit a claim, with really fast reimbursement. The peace of mind of having this policy in place was a real lifeline when my pup had an emergency
Tiffany Lopez
Customer service is great
Customer service is great, they returned portion of my cost pretty quikly after the claim was made.
John McClain
Professional and timely
Professional and timely
Simone
I find Embrace fair and quick with…
I find Embrace fair and quick with processing one's claims. It's also an easy online process which I appreciate.
Renee Gentry
The way my bill was handled
The way my bill was handled
Laurie Michaud
I found it very easy to use the website…
I found it very easy to use the website to submit my claim.
David Janda
So fast and easy.
So fast and easy.
Michael Bush
So far so good
So far so good. First claim.
Dustin Regan
They covered what they said just two weeks after starting service!!
They were very well priced and have great customer service!!
Mary Anne Mason
Easy and efficient as ever
Easy and efficient as ever
Lindy Witz
Easy claim filing
File a claim is so easy and takes no time at all. And the best thing about Embrace Pet Insurance is how fast they process the claims.
Joshua Meehan
Timely, straightforward, worth every penny
Having used Embrace for three years now, the claim process is simple, quick, and painless. Claim updates are provided very fast (within hours), and payments arrive in a timely manner. The few times that I have requested more information from a human, it was provided immediately.
Cris
Claim Submission process is quite easy and intuitive.
Submission process is very straightforward and App/Website makes the process very simple. Documentation upload is very easy and seamless.
Elaine
Professional, helpful, and user friendly
I appreciate the option of having pet insurance. My previous experience and the current one is amazing and submitting the claims online is very user friendly. I spoke with a representative who was very helpful and professional.
Patti Butler
Easy to submit a claim.
Easy to submit a claim.
Lori Mocco
Making a claim during a sad
Making a claim during a sad, hard time because of the loss of our 15 month old kitty, was easy and straightforward. It was the only thing easy during this hard time!
Debbie Fretto
I choose My Embrace Pet Insurance
My Embrace pet insurance walks you through the process of claim filing. It is so simple. Our payment are always in the bank in approximately 48 hours. I have never regret choosing this company.
Gabriela Kelly
Easy but uncertain how to see how much…
Easy but uncertain how to see how much is covered in different events like injury.
jackie rodriguez
We've had embrace for over 7 years its…
We've had embrace for over 7 years its so worth it , the customer service team is great . the claim process is seamless, i always recommend to all pet parents
Debra Kamino
So easy to work with Embrace
So easy to work with Embrace. I was sitting in my vet's office and another person was bragging about Embrace. Great company.
Marla Ortowski
Submitting a claim was straight forward…
Submitting a claim was straight forward and quick. I appreciate not having to take a significant amount of time figuring out the process. Thank you for making this simple and easy.
Dan Robertson
Embrace comes through
Embrace has followed through on their promise to let us care for our pet without extreme financial hardship. We have three cats, and one has been very ill in the last year. Without Embrace, these unexpected vet bills would have been overwhelming.
June Schroeder
Conquered my fear of submitting on line!
Once I got over my fear of doing things like this one line, it was easy and I can easliy say thanks for making it so easy!
Jane Bentley
easy process now that I am used to it
easy process now that I am used to it. In the past I have been reimbursed quicly. Hoping that continues....
AvardWalker
Embrace makes it so easy to file a claim
Embrace makes it so easy to file a claim
Jana H. Lewis
The entire process took maybe 3 minutes!
The entire process from start to finish was so simple and easy and straightforward. It took maybe three minutes to input my direct deposit information and then click submit a claim put the date. Find my vet and upload the invoice and put in the dollar amount. Super super easy! I am thankful to my friend Debra Lee who referred me to Embrace pet insurance.
Laura
I was happy I received a discounst…
I was happy I received a discounst because I was an USAA member but not only that the rates were great for my 8 year old dog. They covered the expenses that I am currently experiencing on my 14 yr without insurance so I know what I could face years down that road will be covered.
Bruce Costa
Claim submission process
Excellent, simple submission process. Hoping they'll approve for the surgery they said they would...
Maggie Morrisey
Good company
They don't fool around. Claims are easy to file. Very knowledgeable. Get payments quickly. Customer Service Reps are very personable.
debbie gottardi
Too many things considered prexsisting…
Too many things considered prexsisting conditions.
Cristell
The best!
Embrace has been with us and our 3 pups for 12 years. I recommend them always to my family and friends. They have taken very great care of us over the years.
Steve T
Wonderful Experience
I couldn’t be more pleased with the experience I had. The representative took the time to listen to my concerns and provided clear, detailed explanations of the different insurance options available for my pet as this was my first time getting a pet, and also navigating the insurance process. What stood out the most was his patience and willingness to answer all my questions, no matter how small. He ensured I fully understood the terms and conditions, helping me make an informed decision. It was evident that he genuinely cared about my pet’s well-being and wanted to find the best coverage for my needs.
Amanda Webster
Lack of direct billing option is worrisome
Embrace coverage appears to be pretty comprehensive, although this is the first time I’ve submitted a claim and I just sent it. My one concern is that vets won’t bill this insurance carrier directly, which in some cases could negate the value of carrying this policy altogether. My dog’s ER visit was about $2500, and most ER hospitals require that you prepay. I’m not sure what I would’ve done, had it been $10,000. In that case, this policy wouldn’t have saved my dog.
Lori Peterson
Claims are so easy to submit and…
Claims are so easy to submit and processed quickly
James S
Very Positive
To date, Embrace has been great about granting our claims for our two babies. Additionally, the claims process is so easy and quick!
JCL PRODUCTIONS
I’m recommending this insurance to…
I’m recommending this insurance to everyone. I have used it three times and it’s been amazing experience.
Susan Wharton
Excellent customer service
Excellent customer service, easy claims process and quick turnaround time. Highly recommend!
Lindsay
Fabulous Company
Y'all are always wonderful anytime we call and your reimbursement is super fast and no hassle.
customer
This is my first time using embrace pet…
This is my first time using embrace pet insurance this year for my pups and I have had a wonderful experience and they are always prompt in getting my refunds back to me. Also it is nice to be in touch with people that keep you informed. Communication is key in today's world and that is something that is hard to find. Thank you embrace for your help with my pups needs.
Adrian Ioja
Our bulldog needed a procedure for his…
Our bulldog needed a procedure for his eyes. We submitted the pre pre-certification paperwork and after the procedure we received our reimbursement within days. The amount received was exactly what Embrace had promised. We are very happy and highly recommend them.
YG
Submitting the claim was so convenient…
Submitting the claim was so convenient & easy with all the prompts.
Donna Hardy
I'm always appreciative
I'm always appreciative of the ease of submitting a claim and the updates I receive as it's being processed then the explanation of the reimbursement. It's comforting to know Embrace has my back when it comes to my fur baby.
George
Fast and easy
Fast and easy
Karen Rosa
Efficient and accurate
The portal and the process for claims is terrific. Not only is it easy to use but the prompts are also very user friendly. This plus notification of receipt of claim and payment is very efficient.
matty gallion
amazing!
very friendly customer service and extremely helpful
Joy Brown Reagan
The claims experience is very user…
The claims experience is very user friendly. Claims are processed very quickly.
Carla Barnes
Embrace is SO FAST to process claims
Embrace is SO FAST to process claims, and reimburse me. I am totally satisfied with this pet insurance company, and it's service!!!
Ron Forehand
Jessie provided curteous and…
Jessie provided curteous and professional support in account management and advice.
Elizabeth H.
The staff is helpful but ...
The staff is friendly and helpful; however, they require a lot of work on your part to process a claim. I've submitted two claims, and one-third of the first one has been paid. I suppose I had a deductible that I wasn't aware of, so that's on me, the second one was never processed because of information that my vet needed to supply that was not received. You have to be very diligent about getting them the paperwork they need. It would be helpful if the company could be more involved in communicating with the veterinarian practice so their customers just have to put in the claim and leave the rest to them.
Carmen Haynes
I can't say enough
I can't say enough: Embrace has been the best decision for my dog's health. He is about to undergo surgery, and Embrace has been understanding and cooperative throughout the process.
Anthony Wray
A place that sees you as family, not an appointment
Pet Medical always makes us feel like family instead of another appointment that some locations have done. Their warm hearts care for every animal, yes even humans. They really do try to find a way to bond with my feline to make the experience welcoming every time.
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