Embrace Review
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Reviews 9760 
John Morrison
Customer service is great and claims are paid fast
Customer service is great. So nice not to have to do everything via email or chat. The phone reps pick right up. So easy to submit a claim and get reimbursed. All claims have been paid as outlined in the policy with no issues. I normally get deposit 48-72 hours after I submit my claim. So far they have paid almost $9k this year due to my dog being diagnosed with Lymphoma.
Bobbie Ross
Easy to use
This insurance company is easy to submit claims and the reimbursement was on my account within 3 days. So far I am very satisfied with embrace
Lydia Bulas
Great representative who resolved my…
Great representative who resolved my issue right away
Chaz Trimble
Having Embrace Pet Insurance is a MUST
Having Embrace Pet Insurance is one of the best decisions I’ve ever made. Our fur baby means more to us than words can say. We learned the hard way in tough situations with our previous fur babies and didn’t want to be unprepared again. We recently had a scare and had to admit our fur baby to the hospital. Thankfully he pulled through and made a full recovery. The bill for the treatment was well worth the outcome, but needless to say it would have not been possible for most owners to do as the cost was high. It would have substantially put us behind financially, but Embrace saved the day for us. Having the support from Embrace gave us security and allowed us to decide to save this precious dogs life. Without Embrace Pet Insurance we would have lost all we owned to save his life. Can’t express the gratitude we feel. I highly recommend all pet owners get Embrace Pet Insurance. I know I will use them for every pet we have for the rest of my life. You never want to have to use it, but if you do, you’ll want it to be with Embrace.
Fernando Marin
Submitted claim
To submit a claim the process was super easy and quick. Not complicated at all which is a big plus. The photo option and drop downs on the reasons for the claim were helpful.
Josh Barker
User friendly
User friendly - smooth claims process - clear plan details
Sara
Excellent process and quick payment
Excellent process and quick payment! We received the money within one or two days. They saved us from many high vet bills and helped our pets stay healthy and happy. They are expensive, but it’s worth it!
Leslie M
If you're on the fence about your pet insurance......
When Embrace says submitting claims is easy, they aren't kidding. When I chose my dogs insurance, I was up in the air as to which one would be best. I've always had pets, but never had pet insurance. I'm very happy with my choice. My claim went through and was paid extremely quick.
Susana Rios
Love how easy and quick the claim process is!
Submitting a claim is so easy and takes literally minutes. The review process is so quick too! I'm spoiled! Gonna take a lot to have another insurance woo me away from Embrace!
Ron Wulff
Just made a claim for our Boys Wellness…
Just made a claim for our Boys Wellness Check and it was easier than trying to catch them to go to the Doctor? LOL Thank you, It's very easy to submit claims on your webpage.
JOANNE LARSEN
diagnosis list confusion
My issue is the fact that the diagnosis my dog is being treated for, osteosarcoma, is not included in your diagnosis list. other than that you folks are great.
Connie Frederick Garcia
Embrace Pet Insurance through USAA
Having Embrace Pet Insurance through USAA has really made a difference in taking care of my little fur babies. I wish I could have had this insurance much sooner for my past pets.
Jane Baker
Thorough and were able to assist me…
Thorough and were able to assist me with my dog Millie. The person I spoke with on the phone was very helpful and guided me through the process, as this was my first time using pet insurance in the US.
A. Martinez
Very easy to submit a claim
It's easy to submit a claim and upload all documents. The turnaround time is fast, and the explanation of benefits is very clear.
Tod Cagan
Never a problem
Never a problem, always smooth transactions. Allows me peace of mind and 80% reimbursement.
Wayne W.
Embrace stands as the number ONE pet…
Embrace stands as the number one pet insurers in America. Complete coverages available to meet everyone’s financial means. Very fast turn-around once invoices are submitted. Very easy and pain free in every transition.
PATRICIA MCCARTHY
This company is extremely efficient
This company is extremely efficient, Making claims are easy and someone always contacts me to let me know the status of the claim. Great company!
Benetta Battle
Handles Claims quickly and easy to…
Handles Claims quickly and easy to submit
Lori Sabean
Claim Submissions Made Easy
I love how easy it is to submit a claim; wish we could do this for people insurance. Also, monies back are usually quick as well.
JUDY SINGER
A little problem
No different than any other. Over priced by a lot! They do pay quickly once you figure out their cumbersome site. They do not allow a fax or photo by email as some do. They not doubled, not tripled, but now want to make my future payments 4 TIMES HIGHER the year before. I feel that is very unfair as my dog was recently diagnosed with diabetes. Before the increases were minimal…but you never know. The excuse they gave me is that “you know, everyone’s cost has gone up”. Right…but 4 times higher than the year before and they have included the increase for the cat that is healthy. The date below is not accurate, but they don’t give me an opportunity to be more specific regarding this issue.
Melanie Moss
Very fast processing of claims
Very fast processing of claims. Would definitely recommend. Have had this current policy for 5 years and no issues whatsoever being reimbursed.
Stephanie Bavaro
USAA made Embrace quality Pet Insurance more affordable
I have such a lovely and healthy little dog that has never had one health issue (knock on wood), but since I have USAA, it made getting pet insurance a little more affordable (I needed to change companies). I like the peace of mind of pet insurance and hope never to have to make a claim. The enrollment process was simple and straightforward.
Roy
Embrace has always been great at paying…
Embrace has always been great at paying claims. Before I had Medicare, I wished they did people insurance.
Keoni
Frustrating and disappointing process
I really wanted to feel good about having Embrace as protection for my pets, but the experience has been frustrating. The claims process is slow and feels like it takes way too much effort on my end. Communication isn’t always clear, and I’ve had to follow up more than I should just to get simple answers. While the coverage itself is okay, the amount of stress and time it takes to actually use it makes me question whether it’s worth it. Pet insurance is supposed to give peace of mind, but instead it’s been another source of stress.
Angel
Embrace was very responsive
Embrace was very responsive. As soon as my vet sent the necessary paperwork, Embrace immediately settled my claim as advertised. I’m very happy to have this insurance to care for my pet and keep expenses down. Thanks USAA for partnering with Embrace.
Janis Ritter
Grateful for Embrace Coverage
Our cat has developed some issues as she has aged. Embrace has covered most the vet costs the were incurred for her care. We are grataeful to hav had Embrace to fall back on> They havae been great.
David Watson
You Get What You Pay For
I've been with Embrace for close to 20 years, and 3 dogs. My Frenchie turned 8 a few weeks back. She was diagnosed with encephalitis not long after her 2nd birthday. She requires monthly low dose chemo treatments, but she's blessed us for 6 happy and healthy years with a terminal illness in remission. Our animals get Embrace coverage as soon possible as puppies. Embrace has reimbursed promptly all of the covered expenses within the policy limits for our Frenchie and other dogs with no hassles. This company truly is a life saver!
Lonny WRIGHT
Great service and claim process
Great service and claim process. Of course I would prefer to get all that I paid back but I know it doesn't work that way. Timely process and explanation are always well stated.
Erika
Great claims process
I have submitted multiple claims and had very quick responses. When I didn't provide enough information, Embrace was able to contact my vet and get what they needed without me being involved. I have been impressed with the ease of the claims process.
PATRICIA DOUGHERTY
I had to make multiple phone calls for…
I had to make multiple phone calls for the issue; however, every one of the agents was patient, knowledgeable, and helpful.
zzzzz
Simple claim process
Simple claim process; thanks!
Anthony
Never denied one claim and gave me…
Never denied one claim and gave me amazing support for my dog Sneaks. Absolutely will keep them for my dog Charlie and recommend them.
Michelle Hefner
Fast and easy...a bit pricey but worth…
Fast and easy...a bit pricey but worth it
DAWN THOMAS
Pleased so far.
We have been with them for over a year now and have had many claims due to our fur baby have so many issues his first year. We got reimbursed for the majority of it within a day or two. The only thing negative I can say is our monthly payment went up about 20-25$ maybe because all the claims.
Donna R M
Speedy reimbursements
Embrace always takes good care of our Lily. Reimbursements are as expected and speedy!
Roy Elkins
Company is awesome best thing I have…
Company is awesome best thing I have done for my pets love the plan I have with them and I love Company 90% back on the medical bills and they answer all my questions that I have I tell everyone that has pets best Company to have insurance with
Sarah L
Seamless and quick claim process
I've filed two claims with Embrace and both were so easy to file, with decisions made within days of filing. I'm very pleased with the process and glad I chose Embrace.
Katherine Duhrkopf
Useless
I have had pet insurance for a long time, my dog finally needed to use it after years and my claim was $3,200. The insurance covered less than half of the claim. With all the money I have put into the insurance I could've paid for the whole surgery instead of paying for pet insurance.
Philip Lambdin
Easy to file and quick!
Easy to file and quick!
Joyce Lee
Ease of filing a claim and attaching…
Ease of filing a claim and attaching the invoice.
Carolyn Schultz
Okay
Okay, slow to pay
Michael Burolla
Excellent service and super helpful!!
I have had embrace for many years and it really has been easy and helpful! Heyu… my springer spaniel… would likely have not been with us if it wasn’t for Embrace! Thank you a ton!!
Lucia Bartoli
An Outstanding Company
I have been with Embrace for about 3 years. I cannot say enough about the professional, efficient & friendly folks that have been so supportive of my little bestie. The turnaround from making a quick, easy online claim is very fast. Because of Embrace, I truly have been able to sustain Minkie’s quality of life as she is aging. My plan is a 90% - 10% and allows me the freedom to give her the best care possible - at a fair & reasonable price. My rating of Embrace is based upon ongoing outstanding performance on their part. The “Embracers” who handle Minkie’s claims are kind and get things moving fast.
KTSB
Embrace--sign up was a breeze!
We just signed up for Embrace for our pet. I had a few questions, so called and was sent to an agent (Jody) who answered all of my questions. I had to confer with my spouse, but I called Jody back with a few more that he answered. We signed up and it is giving me piece of mind.
John Hallowell
Excellent customer service
Excellent customer service. Agent was knowledgeable took time to answer all my questions prices were good
CFors
Good at first
Good at first. But so difficult to connect with customer service. I need log-in help, otherwise I would refer to the app. Called twice and waited too long. I'll have to call again. Hopefully without a long wait.
Kirsten
I like the claim process, but...
I like the claim process. It is straight forward and easy, with a quick return in my bank account. They are helpful over the phone. I took away 1 star, because more often than not, I have issues with the website. It will give me an error before starting a claim and sometimes in the middle of submitting a claim. This happens about 75% of the time. I called the number on the website, and they were unable to fix the problem (pretty much just wanted me to try a different browser), but emailed me a way to still submit the claim. I waited a few days and was able to use the online claim service. I don't know if there are website issues during high traffic times, but it is extremely frustrating.
Sandra Lima Porter
1st I called Embrace as I forgot user…
1st I called Embrace as I forgot user name & password. The wait was longer than I cared to wait but the person that handled the call was patient, understanding & helpful. She than helped me make a claim. And she made everything easy to understand.
Emma Burke
Super easy online claim process.
Super easy online claim process.
AMB
Simple to use and straight forward.
Simple to use and straight forward.
Terri Helus
Decade of Being a Highly Satisfied Embrace Customer
Our two Australian Shepherd have been Embraced for the past 10 years and the coverage has more than paid for itself several times over! Aussies are active, athletic and oftentimes acrobatic dogs, and they have had multiple illnesses and injuries fully covered. Now that they are older, we are treating one of them for osteoarthritis and the other for intervertebral disc disease (IVDD) with injections and medications as needed for pain management. We added a Labrador puppy to our family and it was never a question she would be covered by Embrace from the day she came home. Our pets' policies are clear and easy to understand, the website and app are super easy to navigate and our claims have always been paid fairly and promptly! We will continue being an Embrace family for the peace of mind knowing our coverage provides our pets with the the best care possible.
Nicole
I feel scammed after a decade of paying into multiple policies
I have been with Embrace for about 11 years now. I currently have 3 cats insured and I had 1 cat who has passed, who was also covered throughout her life. Up until recently, I would rave about Embrace and recommend them to anyone looking for pet insurance. My policy is set to renew in a few weeks and I recieved the new documents for the upcoming year and to my surprise, my premium was doubled, without warning. I spoke to an Embrace representative, and the policy for my oldest cat went up substantially. The representative told me it was due to age (my cat turned 12 this year) and they could "look into ways to reduce the cost" but in doing so, the coverage would be decreased as well. To say I am disappointed is an understatement. My oldest cat had some major health issues in the last few months and we almost maxed out his benefits for the year in a matter of weeks. All of my pets have been insured with Embrace since they were young (all before they were 2 years old). There have been many years that we did not make any claims for the year, beyond their wellness rewards. I insured all of them with the maximum coverage available, knowing it was an investment for their future. Though they didn't need the coverage as much when they were young, I knew as they got older, they would, and I wanted to be prepared to take on any medical issues that came up. Now I feel that they raised the premium for my oldest cat based on the medical issues that came up recently. His medical issues were not pre-existing and up until he got sick recently, we again, hadn't used his insurance beyond his wellness needs. This price increase seems directly linked to his recent illness and I have no choice but to pay their ridiculous increase, so that my boy will have access to the medical help that he needs. Embrace also knows that if I cancel my coverage to look for a different insurance company, all these current illnesses would be considered "pre-existing " and they would not be covered with a new policy. My cat who passed away, who was also insured with Embrace, was 15y when she passed. Not once did Embrace increase her premium due to her age, like they are claiming is the reason for the new increase for my boy. But she also didn't have as many claims in her golden years as her brother is having, which seems very suspicious. My cat has been insured with Embrace since he was 6 months old. I've paid thousands of dollars over the last decade to Embrace, and now that we need the coverage they are doubling what we have to pay just to keep him insured with the same amount of coverage that he has had his entire life. I feel scammed and I know I have no choice but to pay because he needs to be insured. Embrace, please be more clear in your policy that if your pet becomes ill and uses too much of their insurance, you will increase the price to retain the same amount of coverage. That should be known to customers upfront since pre-existing conditions limit the coverage and ability to change providers. I am saddened that Embrace has put me and my pets in this position. I have been paying into this company for over a decade, knowing it would be an investment for when my pets as they got older and medical issues would inevitably start to arise. Now that we are using the insurance more regularly, they are increasing the prices as a punishment for needing it. UPDATE: In response to Embrace's reply: My premium has been DOUBLED. This wasn't a slight inflation price increase based off the factors you listed. This is a 200% premium increase. I pay about $200 a month but now I will have to pay $400 a month for the same amount of coverage.
Sandra Barbo
Never had any issues with Embrace Pet…
Never had any issues with Embrace Pet Insurance in over 5 years!
Elizabeth Bandomer
Embrace Gelp!!
Embrace is great. I love that I am a member for 15 or more years. Very good to us. Yesterday though was the first time someone said they were going to send me a spread sheet of my dogs, Lexi, Jake, and Kings charges( how much did we spend on each dog). I told him that we need an idea of the charges to make an informed decision on picking a new policy. I have not received this spread sheet. This is the first time this has happened. I was being encouraged to maintain the 10000 reimbursement when I am trying to decide on the pricing. The amt has gone up and I need to review my option I was hoping for someone to help me with this issue. No help and no spread sheet. I have been a member for a long time. This time it was a little different than what I expected. Thank you Elizabeth Bandomer PS I still want the spread sheet
Linn Okkelberg
Speaking with Gary was very pleasant
Speaking with Gary was very pleasant. He answered every question clearly made me comfortable with going ahead with the pet insurance.
Ronnie Cohen
Very satisfied with Embrace
Great phone help to get claim submitted (computer glitch). Quick resolution to claims.
Keishie McDaniel
Embrace pet insurance is a good company…
Embrace pet insurance is a good company but i fortunately haven't had to use it yet so idk how good they are when it comes to claims or reimbursement..
Alice-Ann Darrow
Great customer service
Fortunately, My dog has been pretty healthy. I will say though, every communication with Embrace has been pleasant and they are always responsive. They respond quickly and never mind answering questions about your policy or bill.
Louie's Mom
Quick turnaround on a claim
Quick turnaround on a claim. Thank you Enbrace
RICHARD HILFIGER
Taylor convinced me Embrace was for Tasha, my Maine coon.
The representative was someone who knew what she was talking about. I looked at what benefits were offered and everything looked good. Our kitten was a very expensive one and my husband and I felt that our kitten should get the best policy.
Naeelah Murray-Genwright
Not very accessible 
The app is not really accessible for visually impaired users and you try to submit a claim using a screen reader the screen just stops working 
Paula Steinmetz Taylor
A year of positive experiences
We have been with Embrace for a year and it has been easy and unstressful. Getting preauthorizations for tests is so helpful.
DENNIS MCMULLEN
excellent customer service
excellent customer service. Reps make sure you are constantly in the information loop
Kyran Simpson
Great company
Great company! Very easy to navigate the website and submit a claim.
WCM
My experience with Embrace was the best…
My experience with Embrace was the best pet insurance. Quality service!
Susan Wade
Excellent Company and fair.
Excellent Company and fair.
CHRISTY WALL
Thank you so much embrace company
Thank you so much embrace company, and the staff.
Rona
Had to bring my cat to the vet as he…
Had to bring my cat to the vet as he was not feeling well. I filled out my form on Embrace for payment. It was quick and easy and I received my payment in less than a week. I love Embrace!!
customer
Life Savers!
My experience with PetEmbrace has been amazing! They have been there when I have needed them most and they have been very reliable. The only downside to using this insurance is having to pay out pocket first but they are pretty quick with the reimbursement so its a win. I have personally called their customer service and I felt very welcome and they help me with any issues I had. I think the price is very good for 2 pets covered with the comprehensive and illness plan.
Ari Stern
So easy to deal with
So easy to deal with, and friendly. Great web portal, transparent processing sequence, if you can't afford Embrace, you probably can't afford the pet, they have saved us over $20k over the years and made it easy to give our pets the care they need. We've had three emergency eye surgeries and a knee procedure with two pets, not to mention more routine illness care. We would have had massive high interest credit card debt to manage without them. Do not go without pet insurance!
Ann Hannon Wells
Easy as always
Easy as always
Kenneth Johnson
So far so good
So far so good, it’s a great way to keep care of your pets! 👍🏼
M Shaw
claim form had repeated error messages…
claim form had repeated error messages that necessitated restarting claims
Julia McDonough
Very user-friendly interface on…
Very user-friendly interface on website, and surprisingly fast turnaround.
Crispy.barnes
my experience with Embrace is…At EASE
my experience with Embrace is Satisfying it gives me a peace of mind with billing and the money that has to be paid with some Help from them
Kathy Ward Kat
Great product
Great product. It really helps my dog to stay healthy.
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