Embrace Review
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Reviews 3770 
DEBORAH ANDIES
Emma was very helpful and knowledgeable…
Emma was very helpful and knowledgeable about the process and explained everything clearly.
Nikhil Aditya Kumar Roy
Would Recommend
I had a 5k surgery done. Although initially there was resistance to cover it fully, but an appeal helped me get full coverage for my cat’s surgery. Their claim process is quick and thorough. I’m glad I purchased Embrace insurance.
Sook Chai
Excellent customer service
Excellent customer service. Very efficient and professional. Claims were processed very quickly.
Nancy Rodriguez
I love embrace but…….
I love embrace but this claim was the first injury claim I’ve ever submitted, and it took a longgggggggg time to process! And it also was stuck in the step of checking history ? Well didnt you already do that? It was super frustrating to me! Also when then send you explanation of benefits PLEASE give us LAMENT terms WTH Im already frustrated with waiting 3.5 weeks to be reimbursed now I don’t want to be guessing on if his 6000 surgery will be covered? And spend more time on hold then 3-4weeks more to get reimbursed for that
Carolyn
Great to work with…
My cat experienced a serious liver ailment. She had to be hospitalized for several days. I submitted the claim to Embrace and they settled it quickly. They kept me informed as to the progress all along the way. They copied me on emails they sent my vet, which I really appreciated. When I called them, they were friendly and helpful. I am impressed at how fast and efficiently they worked on my claim. I'm also very happy they covered my claim. I have recommended them to others and will certainly renew with the
RICHARD DAVIS
Simple and Effective Process
The process of uploading my documents, combined with turn-around time, is the simplest and least stressful insurance claims process for us. We love Embrace because when your pet has health issues, they allow us to focus on taking care of our 4-legged kids rather than worrying over administrative tasks. Thanks Embrace!
Maria Colici
It way too long 😪
It way too long 😪
EAWarlick
Very pleased
Very pleased. Quick responses and reimbursement (they say 2-4wks but both claims were funded in under 5 days). Coverage exactly as described. Highly recommend.
Brittany
It has been a great experience so far
It has been a great experience so far. My pet had an unexpected diagnosis that they covered fairly quickly after I submitted the paperwork. They have left me so impressed that I went ahead and added my other pet to the insurance.
Michael Williams
AWESOME AS ALWAYS
All of my experiences with Embrace are 5 star ... they know how to hire people who really want to provide great service. These days, post COVID, most customer service is 0 stars bit somehow Embrace figured out how to do it right.
Brigette
My first experience with Embrace pet insurance
This is the first time I use my Embrace pet insurance. The process was incredibly easy. I just uploaded the receipt from the veterinary office. Embrace Insurance took it from there, contacted the vet for the notes, and I got a quick response from Embrace pet insurance about what they covered. And they sent me a check
Robert Strother
excellent service
Friendly people very helful very fast service. would recomend to anyone
chaz
Once I got the hang of filing claims…
Once I got the hang of filing claims through the app, it was easy. The only concern was that the diagnosis choices did not cover my claims.
Patricia Andersen
Absolutely Awesome!
Absolutely Awesome! When you fur baby is sick - the last thing you need to worry about is the cost! Embrace and all of their adjusters, claims people, just everyone was very helpful, compassionate and walked me through everything. Once review was done I was reimbursed immediately! Thank you Embrace!
Jonathan Genovese
Our claim was processed quickly and…
Our claim was processed quickly and with great customer service, and we felt good about the amount of the coverage we were provided.
Cristina Sanchez
Ashley Moss
I received excellent service from Ashley Moss and I want to thank her for her excellent work, dedication, and customer support in problem-solving. She always showed great willingness to explain and a lot of patience
Bran OBrien
Easy to submit claim on line
Easy to submit claim on line. And quick settlement of claim. Thank you.
Ross March-Meenagh
The service has been incredible
The service has been incredible, above and beyond. They literally sent my dog a gotcha day present. They have paid all our claims without fight. Our premium remained reasonable even though our dog proved expensive. I'm very happy.
Jon Underwood
Left competitor for Embrace
Recently we made the move to Embrace after a competitor we had for 10 years raised their fees. Not soon thereafter our little guy had bladder stones. Operation to make all well. Embrace was so simple to use, met all our expectations, and did so after just a few months of being a member.
Diane Fletcher
I am so grateful to Embrace
I am so grateful to Embrace - my little Rosie got very sick and because of Embrace's wonderful and efficient claims process, she is still with me and her sister. She is doing well having received great care that I would not have been able to get for her without Embrace. It's the best decision I made a few years ago!
Jeffrey Taylor
We have used embrace for 6 years
We have used embrace for 6 years. Like any insurance you invest for peace of mind if you have a major vet bill. They also offer a wellness feature that has a monthly payment and then covers no accident, injury or illness coverage. The benefit is about 13% larger than the premium and covers items like annual examine, vaccinations and flea, tick, and heartworm medications. For six years i have use all of the benefit. Filing a claim is very easy and response and payment is usually with 2-3 days. On the few times I have needed to make a phone call the agent is knowledgeable and attentive.
Laura C Dowling
Excellent Financial Support
Embrace made the entire process of submitting claims and getting reimbursed super easy. Their app is very user-friendly, and their communication during the medical record review process kept me up-to-date on who had - and hadn't - sent in the requested documents. Once the claim was approved, the money was deposited into my account the next day! I don't recommend spending a weekend at the emergency vet, but if you must it's great to have a partner like Embrace to make the financial aspect a bit easier.
Peggy Hodges
I HAVE HAD POSITIVE FEEDBACK REGARDING…
I HAVE HAD POSITIVE FEEDBACK REGARDING MY PETS AND THE RESPONSE TO ANY AND ALL QUESTIONS I HAVE SHARED THIS INFORMATION WITH NUMEROUS OF MY CLIENTS REGARDING THEIR PETS AND NEED FOR PET INSURANCE
Octavius Chatman
My baby Wesley wasn’t feeling too good
My baby Wesley wasn’t feeling too good. I took him to the vet to get checked out and found out he had a Heart murmur. I put in my claim and 1 week later it was completed. Great turnaround. Thank you 🙏🏾
Darlene Valade
Illness and Ease with Embrace
We have had a long 2 years dx’ing our pup. Embrace has made it super easy to submit claims and reimbursing us. Thank you Embrace for making this part of our pups health a lot easier and manageable.
Christopher Mccormack
The turnaround time on my claims was…
The turnaround time on my claims was unbelievably fast and didn’t require too much from me. I expected to be frustrated and having to resubmit documents and run through the red tape normally associated with any insurance claim. This was my first time filing a claim with Embrace and I am highly impressed, thank you.
Renee P.
Outstanding company.
Outstanding company.
Jim Raney
Good experience. Very pleased.
The claim process was simple. I used the Embrace app. Embrace responded within 24 hours with a comprehensive explain what was covered and what was not. I thought it was fair. Good experience.
SUSAN ONEIL
Very happy with the customer service…
Very happy with the customer service received from Embrace! They were very responsive after they had all the information that was needed to process my claim.
Josh D
I had my doubts about pet insurance, but I was wrong.
My partner and I are INCREDIBLY grateful for Embrace Pet Insurance. We insured our three cats about a year or two ago when we adopted our two youngest ones. I was pretty skeptical about pet insurance. If it was anything like my regular health insurance for myself, I expected they'd never come through when I needed them. But I was willing to give them a shot. Well, turns out the oldest one ended up developing Feline Lower Urinary Tract Disease and was rushed to the vet, hospitalized for three days, and had to undergo surgery to save his life. When you're in the moment, you'd do anything for your little one. And at first glance of the bill, my heart sank. We had just started getting our savings up and this would have tanked us. But then I remembered that we pay for Embrace every month. And boy am I grateful we do! We had the majority of our costs reimbursed! And I'm even happier to report that our little guy is happy and healthy again! I'm grateful for Embrace because they are truly a great thing to have in your back pocket.
Linda Carlino
Always listening
Always listening. Quick with refunds
Lynda
Great Pet Insurance
I never thought that I would have to use insurance on a pet but here I am!!! My beloved dog was diagnosed with cancer and I was so fortunate that I had taken out insurance on her. Embrace Pet Insurance so far had been absolutely fantastic. Claims are easy to file and I have the money in my account in a matter of days. I have talked to a representative several times and they have always been so kind and caring and had complete knowledge of their insurance.
Wade Reibsome
I have been very satisfied with Embrace…
I have been very satisfied with Embrace so far. My boy Toby would recommend Embrace to all.
Deanne Wojtas-Beeman
Superior Coverage
I have been with Embrace for over 13 years. I have multiple pets covered with Embrace. Unfortunately some of my fur babies had been very sick. Embrace has promptly paid claims, therapies, medication and hospitalizations. The customer service is compassionate, knowledgeable and understanding. If it wasn’t for Embrace I fear I would have lost my darling fur babies earlier. Embrace has been amazing.
SWODOG
Quick review and feedback is awesome!
Quick review and feedback is awesome!
Maryellen Canuel
So easy
Submitting the claims through the app was so easy. And the updates provided were succinct and timely.
Keri Shepherd
Years of Great Coverage
I have two King Charles cavaliers that I insure with Embrace. I have had embrace for probably five or six years now. I never have any issues with them processing my claims quickly and efficiently. I would highly recommend embrace for anyone's pet insurance needs.
Sharon Gares
Embrace is the best insurance company…
Embrace is the best insurance company for Pets around, we have delt with others but with Embrace I feel we are always being treated fairly and with the best customer service.
Erika Lund
Successful claim process
After our lab ingested something that made her sick, Embrace was quick to process our claim and send us our portion of reimbursement. It was nice to have peace of mind that, even though our girl was sick, the vet bill wouldn't financially crush us thanks to Embrace.
Karen S.
I was guided through how much would be…
I was guided through how much would be reimbursed for the treatment and how much it would cost to add on to my plan.
Katherine
I forget how easy the application…
I forget how easy the application works. But just a quick call and my problems were fixed. My bad.
BONNIE CLARK
I appreciated the kindness
I appreciated the kindness, patience and knowledge of the product by the representative who helped me. I have used Embrace for my kitties in the past, and it gives me peace of mind to now have my kitten insured.
Luke Esposito
Some frustration
I was disappointed to hear that a phone call confirmation of coverage could not be provided before an appointment I had for my dog. I was also frustrated to learn that pre-existing conditions are not covered by this company. I thought we were maturing as a society and moving past those types of restrictions. We still pay every month; why not cover our requirements?
Barney Jones
One phone is all it took
One phone is all it took. Customer Representative and Billing Representative were kind and professional. My issue was taken care of immediately and monies deposited to my account the next day.
Gilmar Barrios
I had my doubts as I usually don’t…
I had my doubts as I usually don’t trust shady insurance companies. But embrace really pulled through for me in my time of need with my dog, I ABSOLUTELY recommend them !!!
Jan Atienza
a real embrace
during a stressful episode in my pooch's life, embrace turned out to be a delight & useful support....a real embrace
Angela Tillman
I always get the answers I need
I always get the answers I need. Whatever is going on embrace customer service has been kind and very helpful.
Crystal Bittner
All my experiences either in the form…
All my experiences either in the form of phone calls, claims or emails have been great experiences. Because of JJ’s insurance we were able to get her radiation and got another wonderful year with her that we are so very grateful for. There were no questions no arguments or trying to get out of paying for it on your end. It made it much more feasible for us and we were not ready nor was she to say goodbye. Since then we have had to say goodbye but her insurance even in this helped cover the at home euthanasia we chose in order to make her transition less stressful for all of us and more personal and in reality a little less tragic. I couldn’t imagine the drive to the vet the cold sterile room that didn’t smell like home to her, the drive home without her in our arms. Anyway, thank for always being there for us. We have adopted a new puppy since and have entrusted her future care with your insurance company as well. I just couldn’t see going anywhere else or trusting anyone to make difficult financial decisions easier for her health. We would find a way no matter what. But this makes anything she might need in the future a no brainer. Thank you so much for your past and future support. They are our fur babies and I just want them to have the best healthiest lives possible and your company certainly plays a major role in that. Thank you again, Kyle, Crystal, JJ and Rowen
Pat Duncan
Claim Review and Reimbursement
Always gives great explanations of coverage and prompt reimbursement of claims.
Ann Brown
I had to have an agent help me to…
I had to have an agent help me to complete the claim she is absolutely wonderful...never makes me feel like I am a pest helps and I wish I could send her a Thank you gift card but have no idea how to her name is Heather Russo the best person at Embrace...thank you heather.
Terry Smith
Website easy & fast payment
Easy to upload claims, to check on claims & fast payment.
Kristine Mota
Easy and quick!!
Easy and quick!!
Shelby George
So easy and convenient to use
So easy and convenient to use , thankfully have only had 1 claim so far but it was fully covered and easily explained to me
customer
The team was very responsive and…
The team was very responsive and provided detailed explanations to my questions.
Miekie
Promises kept
Fast, efficient and transparent. Very happy to be with Embrace.
Wendy Kheel
I had a claim recently that Embrace…
I had a claim recently that Embrace denied because of a pre-existing condition. So, I contacted my vet to find out what condition was being referred to. My vet wrote an email explaining that it was not pre-existing, Embrace reviewed it, and agreed and they covered the costs. But, the Embrace email said that there continued to be a pre-existing condition. So, my vet challenged that saying that the test used on my pet was before she became my vet and that test has been declared inconclusive and no longer considered valid. Embrace reviewed this and agreed so my pet no longer has a pre-existing condition on her record. I have never had an insurance company take issues like this seriously and reconsider their decision which Embrace did and I really appreciate.
Scott Johnson
Great claim submittal and review…
Great claim submittal and review process.
Lyna Torres
Good experience
Good experience. I was able to get at least half of my bill covered which helped some.
Randi Miller
Embrace is the BEST
When my dog blew out his knee, I admit I panicked about how I would afford his surgery and aftercare - then I remembered I have Embrace. I received my reimbursement via direct deposit in less than 30 days, and thanks to the addition of Wellness coverage, I had a lot fewer out-of-pocket costs than I imagined. Its a real comfort to have such comprehensive and compassionate care from an insurance provider.
Anne S.
Easy claims process!
I found the claims process pretty easy. The direct deposit option for reimbursement adds another layer of simplicity. The very first claim took a little longer (a couple of weeks maybe), but once the first claim was processed subsequent claims were processed within a couple of days.
Donna Teeple
Insurance is too expensive
Insurance is too expensive. It goes up every year and is almost impossible to continue. The well visit plan is not worth the money. You get back what you put in but have to submit receipt the wait for reimbursement just to break even.!
Dianne D.
Embrace was with me all the way
Embrace was with me all the way when my sweet kitty, Ghost, got sick. They refunded my expenses in a timely manner and made me feel like my Ghost mattered to them. I selected mailed refunds, which take much longer but I still received my refund within 3 weeks. If I had opted for Direct Deposit it would have been 2-4 days
Julie Cann-Taylor
Fast and accurate claims review
Fast and accurate claims review
Martha Legg
Beagle with bronchitis.
Our beagle developed bronchitis and she needed x-rays, blood work, and medication. I submitted my first invoice and Embrace applied the entire amount to my deductible, which I then met, and reimbursed me for my percentage of the remaining invoice. The process was quick and painless and I found Embrace to be very fair.
Lindsay N
Always responded promptly and claim was…
Always responded promptly and claim was processed quick and easy!
Sherrell Fox
I feel my furbaby, Sterling, will be covered for needed things!
I called Embrace because they were rated #1 by Forbes. I talked to Brian, who answered all of my questions and concerns after a bad experience with Spot Pet Insurance. We adopted a 4 month old Silver Miniature Poodle 9 months ago. We purchased pet insurance to cover needed vet bills and medicines for our baby. We recently took Sterling to the vet for a heartworm test so we could get our new prescription for Trifexis, which I was expecting to be reimbursed for the test and the 6 month prescription. The vet informed me that there is a new year long shot for heartworms and told us how much it cost and that the shot only prevents heartworms and we would still need flea and tick prevention. We decided to do the heartworm shot and purchased Bravecto for fleas and ticks for 3 months for each application. When I sent my claim in to Spot, they approved $25 for all treatment (Test was $41, Heartworm Shot was $107 and 3 month prevention for Fleas and Ticks (Bravecto) was $75.70, $223.70 Total). They said they only cover $25 per year for heartworm tests, prevention and flea and tick prevention. $25 for the year!! I questioned this and they told me it was on page 10 of the contract. I searched with them on the phone to find it on the last page of the contract (Page 21) after the name and address of the company that carries the policy, not Page 10. It is hidden at the end on the very last page! I immediately canceled my policy with them and ended on the phone with Brian with Embrace! Brian was very professional and knowledgeable about the insurance policy and what I needed for the coverage I was interested in. I told him I wanted to talk to my husband before I actually made a decision about coverage. He told me he could call me back at noon the next day, which was a Saturday. He called at exactly noon and signed me up. I feel confident that things will go much better with Embrace instead of Spot who hides things in their policies!!
Lisa Wade
Courteous
The representative who helped me was very helpful and courteous. She listened and gave me the time to explain what my question was.
Patricia
They are quick to settle my claims and…
They are quick to settle my claims and are super nice to deal with. I always recommend Embrace to all my friends and family.
Dawn Mayo
So impressed….
I am extremely impressed with both the efficiency as well as the customer service and follow up from my claims. I am new to Embrace and they were very helpful and genuinely seemed to care about me and my situation.
OSCAR M
the claims filing process was easy and…
the claims filing process was easy and efficient through the online site by answering a few questions and uploading documents, including receipt and updates with a timely turnaround. thank you!
Rebekah Hemling
I have never before had insurance for…
I have never before had insurance for any of my pets. In the past it was a costly mistake. Our last German Shepherd dog bloated and required immediate surgery costing over 7k dollars. Later, he developed perianal furunculosis, and we lost him shortly after his diagnosis. When my husband and I purchased our new dog we knew immediately we need to purchase insurance just in case! Hoping, of course to never need it. However, that wasn't the case. Recently, our dog had a spell of allergies and required vet care. Then two weeks later he got pretty sick and was vomiting, shaking, and landed us in the ER. With $2000 in unexpected vet bills it was an ouch! I immediately filed both claims with Embrace. The claims went through normal procedure, and I received an email yesterday that both claims have been processed and paid! Thank you, Embrace!! We HOPE to never need anything else but the wellness insurance! We are SO grateful!
Kate Treasure
Embrace Pet Insurance is a wonderful company.
Embrace Pet Insurance settled my claim quickly. It was the first time I’d submitted a claim for my 12 year old dog, Syd. Syd became very ill. I took him to an emergency veterinary hospital. Several tests were done that showed he would require a very delicate surgery. At his age the prognosis wasn’t good. The made the decision to have him euthanized. I was told by Embrace that they would need to review Syd’s records for several previous years and that it could take about 30 days for them to determine a payment. I was very pleasantly surprised when I received an email with a very generous settlement within a week! The people I spoke with were all very kind and considerate. I highly recommend Embrace Pet Insurance.
Jean
VERY EASY VERY FAST GREAT COMMUNICATION
VERY EASY AND REIMBURSEMENT VERY FAST. GREAT COMMUNICATION FROM EMBRACE. DEFINITELY WILL RECOMMEND!
Clems
Embrace has been wonderful
Embrace has been wonderful. The claims submission is very easy and the website walks you through each step needed. My puppy didn't have some background information that was needed and they reached out and let me know what they needed and how to get it. Response time is quick and they are available for any questions. Wonderful experiences so far.
Michael Hori
Claim Processing
From the time we submitted our claim to when it was processed was very easy and seamless. And the check mailed to us came sooner than the 10 days.
Julie
Fast review and turnover
Fast review and turnover. Conscientious communication and no haggling with claims.
RICHARD CALI
They need to have better service
Embrace needs to be more efficient with there refunds. It took three months for them to issue a refund. The reason was they were emailing and not faxing the request. Disappointed
Cathy Thews
We just had an emergency with our…
We just had an emergency with our friendship. She got ivdd in her back and that tough surgery immediately we called embrace To get authorized, everything was done within a matter of hours. I had nothing to worry about. And my claim was paid expeditiously. Kudos to embrace for making this less stressful for us
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