Embrace Review
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Reviews 10217 
Laura Withrow
My dog needed surgery for a luxating…
My dog needed surgery for a luxating patella. The claims were very easy to file online and I received reimbursement within a week. The surgery costs with preop appointments was close to $4000, so I was very grateful to have the coverage. The only complaint I have is about the increase of premiums after the first year. The coverage was well worth it though
Dorothy Morrissey
User friendly site
User friendly site
Mary Ann
Totally awesome company,
Totally awesome company, My fur baby was very sick with pancreatitis and when I took her to the veterinary clinic, it was a total relief not to worry about the cost, I just told them do what needs to be done. I sent them a photo of the bill and in a few days I was reimbursed my 90%, it cost me. 100.00
Shawn Simmons
Simple claims submission process from…
Simple claims submission process from website.
Diane Schmidt
When I signed up they requested my dogs…
When I signed up they requested my dogs history needless to say didn’t know they hadn’t received it until I needed to use their insurance and are unreasonably denying to pay for a lump deemed nothing to worry about from two vets, so now will not cover bumps or cancer this is how they get out of coverage. Very unhappy . Beware
Susan Goskowitz Tomka
I just insured our new kitten that we…
I just insured our new kitten that we got and the process was very easy and fast and the cost is nicely laid out , so far I am happy , let’s see after I use it.😃
S.A.
Kind Assistance
For financial reasons I needed to cancel my insurance after not using it for years. The customer service rep offered me an extremely reasonable accident insurance change for my sweet cat. Thank you!
Ruth Tarbell
Disappointed-confusing and costly
I signed up a year ago because I liked the flexibility of customizing my own plan which most other providers don’t offer. Positives: customer service is excellent, very helpful, friendly, knowledgeable; website for filing claims is easy to use once you become familiar with it. Negatives: long learning curve and no training of how to use the website and provide an overview. My biggest complaint is the lack of clarity from the agents while choosing my coverage. It was my understanding that adding a wellness plan would cover all exams and medications, so I waived that coverage from the accident and illness plan. Turns out I was wrong. My advice would be to take great care when discussing coverage with their agents, particularly if this is your first time buying pet insurance. It can be very confusing. In the end, my analysis of the cost of the insurance versus what my OOP would have been without it was that I would have saved a few hundred dollars without it, even with one of my cats becoming sick with pancreatitis requiring lots of tests, meds, and prescription food. So, while my experience was positive on some points, I would recommend taking a chance on your pets’ health and pay the professionals for their service if they get ill, rather than throwing money at a third party that may not cover your costs.
Aloise Angela
Fast and easy
Fast and easy
customer
6 years strong
We have had embrace for 6 years now for my Frenchie. In general I am quite satisfied with them. Have had a couple issues over the years, but always willing and able to help fix things when I call. It certainly does give me peace of mind as he gets older.
Renee Gentry
They are just thee Most caring…
They are just thee Most caring insurance place , EVER !! They help you with EVERYTHING that's concerns your beloved pet , who's family.
Ed Kaatz
Very impressed with the customer…
Very impressed with the customer service and the quick response to our pups needs.
CarolTheArtist
Integrity
i continue to be impressed with the integrity and speed of reimbursement from Embrace Pet Insurance.
Charles
Easy to submit claim.
Easy to submit claim.
Sean Leary
Great service
They processed my claim quickly. It was surprisingly easy and I'm extremely grateful for this service. Although the annual deductible is quite high, they still saved me allot of money. Would highly recomend.
Linda Leach
Embrace is quick to respond
Embrace is quick to respond
FJ
I've used Embrace for 6 years
I've used Embrace for 6 years! Embrace continues to provide exceptional insurance coverage for my two pets. The reimbursement process is easy and quick. I highly recommend and appreciate their customer service.
Joel Martin
Great Insurance but Software is below par
Embrace has been fantastic in their coverage of our 2 Golden Doodles and our newest member of the clan, a 4 month old Tortoise Shell kitten. My only criticism of Embrace is their Web Site. The software seems to hang up and not submit the claim at times. Perhaps a software upgrade would be a great idea?
customer
Ease and reliability.
Submitting a claim is incredibly easy and takes barely a minute. The website is very user friendly for this. Approval does not take very long, and direct deposit is usually a 2 week turn around. I wish my own health insurance was as up front, user friendly, and reliable, honestly. Embrace has literally been a life saver for my dog Ernie. Choosing Embrace for my dogs' policies was one of the best decisions I have ever made.
Barbara A. Offer
I have always received excellent…
I have always received excellent customer service when inquiring about a claim but, in a few instances, received the expense sooner than expected. Embrace is No. 1 for me. Thank you for your excellence!!!
Tony Latina
Friendly service
Friendly service
Nick C.
Very reasonable and fair treatment
Very reasonable and fair treatment. Much better than what I'm used to with pet insurance.
Tiana Brown
Very easy to work with!
Very easy to work with!
CJ
Great Pet Insurance Company
Sami and Hans now have 100% illness protection. Couldn't be happier! The claims process is very easy and the Embrace Team is wonderful! Thank you, Embrace!
Steven
Easyclaim processing.
Very easy and fast claim processing.
Wendy Leigh
Love this insurance
Love this insurance. Simple, fast and gives you great peace of mind in pet care
Frank Paladin
Kudos to Embrace
Embrace is a great company with people who are knowledgeable, caring, compassionate and highly competent.
RHEETA
The rep Veronica was very understanding…
The rep Veronica was very understanding and looked into my issue and was able to solve it I have been with Embrace over 15 years and it cane in handy when Rowen was bite by snake which required him to stay 3 days in the hospital. Thank g-d he was gummy covered I have two policies the Wellness policy and major medical I always adj pet owners do you have pet insurance either they say never heard of pet insurance or they say why should I have it. That’s when I get on my soapbox Thank you EMBRACE Rheeta and Rowen ♥️
Caitlin Donovan
Fair and transparent policies.
The process to submit claims is easy. What they cover aligns with what you signed up for. They always explain things clearly and when there is coverage, they send the funds promptly.
linda johnson
Embrace is the first and only insurance…
Embrace is the first and only insurance I signed up for my fur baby. I never wondered if I got the best insurance for my fur baby. I can't find any reason not to be satisfied. I'm happy with all my claims responses and reimbursements. I highly recommend Embrace Pet Insurance.
Sharon C
Long time happy customer
Long time happy customer My cavalier has been covered by Embrace since puppyhood. He's now 12 years and it's been quite the ride: he's a wonderful dog with lots of medical problems over the years. I've been very happy with the coverage Embrace has provided for his emergency care.
Rancho Santa Fe
Embrace makes it so easy
Embrace makes it so easy. I will always use Embrace for all my pets. Rarely are there any rejections. We live in a very rural place my dog is always getting hurt. So we embrace Embrace pet insurance. Thanks for your love.
Katherine Emert
The ease in submitting the claim
The ease in submitting the claim. Easier than doing anything for humans.
William Pagonis
easy to follow submission process
easy to follow submission process. if i have an issue , i just call embrace for guidance
Jeanette Villegas
Embrace Pet Insurance is the best…
Embrace Pet Insurance is the best insurance available. Their policies are comprehensive, you can tailor your plan to fit your budget and they expedite your invoices in a timely manner. Their customer service is second to none.
Kelly D Carrera
Beyond grateful to Embrace Pet…
Beyond grateful to Embrace Pet Insurance!! Not only their customer service is unbelievably amazing but having insurance for my little guy who has a very sensitive stomach, has been a life saver when it comes to medical visits!! I will never get any other insurance. Embrace is the best!!!
Finocchio Finocchio
Embrace Pet Insurance has given me real…
Embrace Pet Insurance has given me real peace of mind. Claims are handled quickly, and the customer service team is incredibly supportive. It feels like they genuinely care about pets and their families. A fantastic choice for responsible pet owners in the UK.
Craig Mytton
Vets did a great job!
Vets did a great job!
Grammy G.
Simple and Intuitive
Very easy to navigate and did not take much time at all.
andrew
seems to bescrimping on IT, customer service. Non on the billing dept. thoughilling dept
Long wait for customer service to answer the phone. When they did, they could not be of help because IT is not paid to work on weekends for embrace. It took five days for me to find a way to pay my bill.
Dalia King Official
We have a lot of claims already…
We have a lot of claims already submitted, but we only received 2 payments from them yet. I dont know if this company is recommendable.
Morri-Lyn Davis
Great Customer Support
I had a small issue with having to change information in my account. I called customer service and had a flawless experience. The change was effective immediately. The representative was extremely helpful and always kept me informed. No complaints from me.
JAH
I highly recommend Embrace for pet insurance
Everyone I spoke with at Embrace while filing a claim was very professional, patient and friendly. I highly recommend them
Heather Hume
It is a reall seamless process to…
It is a reall seamless process to submit claims and rapid turnaround time for reimbursement (<1 week). Excellent service highly recommend!
customer
Best Pet Insurance
Embrace is the best pet insurance for my 2 dogs. I have two other pet insurance companies in the past, but Embrace is by far, the best
Dawson Gilmore
Excellent Coverage and Friendly Service
I am very happy with the level of cover and how easy it is to manage everything online. When my dog needed treatment, Embrace helped without any hassle. The staff always respond with kindness and understanding. Truly a company that stands by its promises.
Ms. Mears
Claims covered as expected, reimbursements provided promptly
We have now filed four claims on our pet insurance. I have been so impressed with how easy it is to file a claim, how quickly the claims get processed, and how straightforward the coverage has been. I was definitely worried that the claims adjusters would be looking for ways to avoid paying claims. But things have been covered exactly the way I expected them to be with no sneaky loopholes or unexpected exceptions. our reimbursement payment once we met our deductible landed in our bank account within the same week that we filed our claim. We even had one claim that needed to be reviewed because it appeared possible that our pet was being seen for something that had been an excluded condition. But the claims reviewer took a thoughtful look at the chart notes and realized that our pet had a passing, contagious illness that was not related to any sort of pre-existing condition and they went ahead and covered the visit.
Deborah Martin
Best Pet Insurance Company Around
I've had my cats with Embrace Pet Insurance for years and wouldn't insure them with any other company. The representatives are knowledgeable, friendly, helpful, supportive, and the claims are processed very quickly. The website is user friendly and easy to upload claims. I continue to recommend the company to all of my friends with pets.
Angela Bennett
Super easy online claim filing and…
Super easy online claim filing and super fast reimbursement.
Ken
Recommend Embrace Pet Insurance
Had Embrace since I got Finn my dog until his sudden demise. I always found Embrace custormer service top notch and the company trustworthy. They are a little pricey, but I found the customer service and claims process to outweigh the cost.
Michael Van Alstine
Excellent service
Easy transactions
Betsey Woods
They took another look
Typically I have been giving Embrace 5 stars and a few weeks ago I did. Since my dog had surgery for a cancerous mass, I dropped them down to a one, but am now giving them credit where credit is due. Although I had to work much too hard to get them to look at what made logical sense, they did and I am now happy with the reimbursement I am receiving for the claim. I have no doubt they will get back to a 5 in my mind, just not quite there yet. Thank you for listening to logic and making the right call.
Paula Young
Happy until now
I've been very satisfied with this company until now. They have been insuring my husband's service dog for 11 years. The cost suddenly shot up, they said it was due to inflation and the dog's age. He's had few problems in this time, and it seems that their rates should continue in his senior years. I can no longer afford this company.
John Druckenmiller
Claim process
Submission of a claim was fairly simple. When additional information was needed they reached out to the provider. I had to take Jack to an emergency vet as our normal vet does not have night hours. I received an Email telling me how much of my claim was approved with little explanation. With a vet bill of over $1100 I felt the reimbursement of slightly over $300 was on the low side. Still I’m glad I had insurance to get some money back
Alison
Excellent claims processing - clear and fair
I've had Embrace for my dog since she was a puppy and she's now 11. It's very easy to submit a claim online; claims are reviewed and resolved very quickly and I've always had clear communication from Embrace
john Ziccarelli
Clementine Hopkinson was awesome and…
Clementine was awesome and her explanation of benefits very pleased so far!
Luigi
Phone help was outstanding
Phone help was outstanding. Still waiting for response to email help and inability to access account settings. POST RESPONSE: nice to see they don’t read the review either. I am STILL waiting for an email response about my inability to access and change my account info.
Danielle Winter
The Embrace website is so easy to use…
The Embrace website is so easy to use to file claims. I am extremely pleased with Embrace.
Melanie Drazkowski
Wonderful service from Yunelly
Wonderful, personalized professional service from a caring professional - her name was Yunelly. She explained to me that if I did nothing, our two cats that are now 14 years old would be having a near double increase in their monthly premium. She went over alternatives and how to reduce the premium and explain how come the rate was going up? I kind of understood why most of it was going to be, but I really need to be honest was a bit shocked at the amount of increase! You have to admit we really treat our babies like humans anyway it’s pretty much the same cost as a human healthcare insurance when they get older. Anyway, she was wonderful and help me make a decision on how to move forward.
Lauree Morton
Easy to submit claim
Easy to submit claim. Clear directions.
Pablo
Very easy to use
Very easy to use, check or file a claim.
Craig Hunnewell
Not satisfied in continuing with Embrace
My dog had to have a tooth removal and a representative told me it was probably covered up to 75%. Embrace didn’t support 1 %. Also, an upgrade in coverage cost doubled.
Daphne Carrozza
The sight is easy to navigate.
The sight is easy to navigate.
Customer
Acted on the claim very quickly
Acted on the claim very quickly, just submitted the vet bill of services and they took it from there, very happy with the service
Suzanne A
Quick & Easy Claim Submission
Submitting the claim was easy to do from my tablet. Thank you for making it available rather than having to mail anything in!
Tracy Milligan
The claim process was seamless
The claim process was seamless — I received pre-certification within minutes. My French Bull dog suffered an acute allergic reaction and had to be rushed to the ER vet. Due to the severity, he needed an overnight stay, but knowing that Embrace covered the cost was incredibly reassuring. He’s doing fine now!
MA in Palm Coast
Quick, Easy and Fair
Submitting claims and receiving reimbursements is quick an easy. Evaluations are fair.
Bonnie Lorson
I have had multiple claims in the past…
I have had multiple claims in the past 4 years for my cockapoo , Kelsey. I have never had any problems getting my payment. I am so happy I purchase this insurance if not I would be very hard pressed for money to pay for her to have care.
Rosie Dodd
The ease in filing a claim is…
The ease in filing a claim is remarkable. Wow!
Mike
Always efficient and dependable
Always efficient and dependable
customer
Easy to submit claims.
Easy to submit claims.
James Griffin
Embrace was a GREAT choice!!!
I am very impressed with Embrace. From the agent who sold me our pet policy to our first claim process I have been extremely pleased. Even when you call to ask a question the people are very helpful, professional, and courteous. Definitely glad I went with Embrace for our pet insurance.
Robert M
Agent took the time
Agent took the time to fully explain policy and gave detailed instruction on how to file a claim
Alicia R-S
1st Claim Submittal
Submitting the claim was simple. Now, if the payment process is just as easy I will be thrilled.
mqwalk
The app kept stopping
The app kept stopping so I had to use my computer. That's fine, but what if I didn't have access to a computer? I'd be stuck.
Matthew Jones
CONSTANT SENDING OF SAME PAPER WORK
The app is easy use. However every time I file a claim they say they need all paper work for my dog called the S.O.A.P. I have sent it numerous times via email and the app but keep getting my claims delayed by weeks or months because they say they do not have all her paper work when they do!!! It can be frustrating and annoying every time I file a claim have to explain they have all the paper work and then waiting months to finally get reimbursed after several back and forth emails. It's like nothing is saved in my file??? I Cant understand the issue.
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