Embrace Review
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Reviews 3007 
Roxanne Pendleton
Very easy to submit claim and claim was…
Very easy to submit claim and claim was reviewed and completed in a timely manner
Eva Feldman
Smooth as silk claim filing process!
We are fairly new to Embrace, and we have found the claim filing process to be quick and as smooth as silk. So far, we are very pleased that our two precious standard poodles have health insurance coverage under Embrace.
Mike Brady
Been using Embrace for a few years now
Been using Embrace for a few years now. Heard of them through USAA. I’m happy with the service
Carol
Easy
Easy, quick to use and reimburse!
Pam
We had to make a claim one month after…
We had to make a claim one month after we got coverage. My puppy swallowed a large stone which required emergency surgery. Expensive bill & Embrace reimbursed us quickly! We’re so impressed with the service!
LRD
Responsive service but expensive
I tried trazedone one time to see if it would work for my dog’s fireworks anxiety, as many dogs have. Because it was listed in the medical records, the initial review noted that she was ‘anxious’. Other than loud noises, she is the sweetest and most calmest dog! My second year premium increased by 53% and the following year by 38%. When questioned about this, none of the reasons they offered, including blaming the state department of insurance, can justify over a 100% increase in two years! To be fair the claims process is quick and user friendly. Response times are reasonable and the staff is very professional and considerate.
Pamela McPherson
It was very easy to submit my claim
It was very easy to submit my claim, now waiting to see how long before the money is sent.
Jennifer Bittner
No issues with company
No issues with company. Direct deposit is awesome
Rebecca Drew
Easy claim process
Easy claim process
Mary Portelli
Coverage was there when needed.
My dog was recently diagnosed with an oral cancer. The diagnosis itself and treatment following was distressing to me and difficult for my dog however knowing she has had an Embrace policy throughout her life has made the process so much easier. I know she can get the treatment she needs. You never want to need to use your pet’s insurance benefits but what a relief to have coverage when illness occurs. The claim process was so easy to do and Embrace reimbursed me in just a few days.
Julie Berry
Great experience w/ Embrace
I’ve been w/ Embrace for almost 7 years. Just recently I’ve had to file 2 claims because my dog got really sick. Filing claims online have been super easy. I made sure my vet gave me an itemized receipt w/ a diagnosis & submitted that with the claim. Turn around time to get payment reimbursement was not long at all, maybe a week or week in a half. Such a smooth process & they made sure to explain reimbursement & what’s not covered & covered.
Pamela Bernhardt
Excellent Service
When your baby is sick the last thing you want to worry about is insurance. Embrace made it seamless and I could worry about my dog instead of how to pay for his treatment. Thank you Embrace.
Susan L.
Staff were knowledgable and…
Staff were knowledgable and professional. The claim submission process was easy and efficient. The claim processing was also efficient and timely.
Michael D Kutella
It’s very easy to submit claims and in…
It’s very easy to submit claims and in the past, reimbursement has been fast.
Lillian
Worth Every Penny!!
Reasonably priced; excellent benefits, simple and easy claim process; fast reimbursements
A. Martinez
Once I reached deductible and copay I…
Once I reached deductible and copay I received my reimbursement pretty quickly!
Bella
You definitely feel embraced
The agents are so caring and compassionate. They really care about your fur babies. They follow up and ask how are they doing and you feel remembered. I only trust my kitties with embrace because they are a warm hug. I’ve been embraced I’m a believer lol
F Adler (Phantom)
I have been very pleased with Embrace
I have been very pleased with Embrace. They live up to their contract, are prompt with claim reimbursements and are nice people to work with. I've had pet insurance before which was a disaster. Embrace is excellent and I highly recommend the company.
Jeanne Nardone
It was the first time I had submitted a…
It was the first time I had submitted a claim and didn’t know what to expect. The process was very easy, I submitted my claim online with documents attached in minutes. I received a detailed response quickly and a reimbursement check soon after. I’m very happy with the process and pleasantly surprised that it was so easy.
Shelby N Acosta
Worth it!
I was able to pay for my dog's treatment knowing that I'd get reimbursed through Embrace. I was nervous about submitting claims, like, maybe it would be tricky or somehow his treatment wouldn't have been covered, but it was so easy! And I was so amazed at how quickly I was reimbursed. I tell everyone that they should get their pets insured before something bad happens. It really is a lifesaver, in every sense of the word.
Millie Chauncey
I absolutely love Embrace
I absolutely love Embrace. You put in a clam and a few days you have you refund. They are always professional.and knowledgeable. Always willing to help
Elizabeth Helms
Claim process was easy to follow
Overall they were easy to work with in getting the claim paid. There seemed to be some confusion regarding medical records that had been submitted, but could not be found in your system, but it was resolved satisfactorily.
Allyson Leatherwood
So easy!
So easy to submit a claim! Great website. Love the little space dog logo too. This isn't my first claim with them. The first one was processed quickly and they covered everything listed in the contract without hassle.
Gary Babin
awesome people
awesome people
Adam Blaes
Recommend!
Easy to submit claims. Quickly processed, reasonable decisions. Very good customer service communications. Recommend!
RENEE
Finally my pet insurance covered…
Finally my pet insurance covered something! It was easy and quick to get my reimbursement.
C M Huynh
thanks for being there
Easy to use website, email correspondence always kind and professional
Smallz
Filing a claim is very easy
Filing a claim is very easy
Frank M
Great company fast reimbursement!
Great company fast reimbursement!
Craig Starrett
Initial Claim
I just filed an initial claim and the process was easy and straight forward. Having scanning software makes it quite painless.
Jackie Heise
Hands down the best most efficient…
Hands down the best most efficient insurance company you will ever find . They are always there for me and my cat Chloe, I got my last reimbursement in 10 days, they are amazing and I am so thanks I have them!
Wall Joan
Ease of use
Ease of use. Fast turnaround.
Richard Lane
Filing a claim
website easy to navigate and find relative information related to Dewey's problem...
Joseph Leonardo
An absolutely wonderful company with…
An absolutely wonderful company with amazing service. :3
Randy Dean
The company accepted our claims for Cody
The company accepted our claims for our family pet, Cody. He had to have surgery for bladder stones and follow up treatment. The process was very easy. Also reviewing the steps on the website is very easy. Thanks for the support!
Joann Colgan
I have had this insurance for 2 years…
I have had this insurance for 2 years and thank god did not have to use it that much and was very disappointed that the rates increased drastically to make me search for a different company. Much more expensive than most
Lucia Bartoli
Increase in rate very disappointing
The increase in price was advised to me yesterday. When inflation is overwhelming us (gas & food), this added hardship was hard to take. So I had to reduce annual amount, increase deductible, remove Rx coverage. I’m keeping it for now, but shopping the competition to see if there’s something else I might consider.
Frances
It has been a great experience with…
It has been a great experience with Embrace. They are prompt, helpful and fulfill the terms of the insurance contract. After having so many problems with other pet insurance companies, I finally found Embrace. Very happy with them.
Alex
Great peace of mind for your fur babies!
Every experience I’ve had with embrace has been a great one. I enjoy choosing how much coverage I can choose to fit our needs. We have two dogs insured through them. The policy itself is fair and well worth the peace of mind it entails. The coverage is excellent. We live in a semi rural area, so being able to chose the vet we need for emergency services is an absolute win for both dogs. Whether it be the primary care vet or an emergency vet, embrace has your back through both and whichever vet you choose. The initial medical records review process can be tedious, but well worth it. Highly recommend to anyone who needs a little extra peace of mind for your fur babies especially in a rural area. Love it. 10/10 recommend.
David Wilcox
Great customer empathy and service
Great customer empathy and service. They were understandably very thorough and required the proper invoices, but prompt once completed. Just hope my puppy doesn’t swallow another rock!
Jorden Leib
Embrace is great so far
Embrace is great so far. Easy to use submission. I like it. Would be even better if it was app based, I think.
Tammy G
A very good company
A very good company, super helpful during a very stressful time, quick to answer my questions and take care of our claims. Would definitely recommend Embrace for peace of mind for your pup.
Matt Gardner
I got off to a rough start with Embrace…
I got off to a rough start with Embrace when I put in a claim for my Dog “Koru” who was diagnosed with cancer in September. I was told that his condition was deemed pre-existing from a veterinary record they had back in January, and I immediately took to google and wrote a scathing review about how bad this company is. Once I’d calmed down and explored the options that Embrace offered me to appeal their decision, I had my Vet submit information stating that there’s no way Koru could’ve survived if the cancer had been there since January, and gone untreated. The decision was immediately overturned, and all claims were honoured promptly with auto pay directly to my account within a week of each submission. Unfortunately Koru lost his battle with cancer on 11/06/2023, but without the insurance I would’ve been out of pocket over $5000.00. Thank you for honouring your policy Embrace, and helping me get through this difficult time.
Michelle Black
I'm very grateful for Embrace
I'm very grateful for Embrace. They make the claim process very easy. I recently submitted for an appeal for my pet that was documented on initial evaluation that he had a preexisting condition which he did not. Still, I did not catch since I don't review the veterinary records. I did contact Embrace and they were able to assist me with what to provide to be able to remove the "preexisting condition". I would highly suggest anyone who has an elder pet to get Embrace. Illnesses and accidents are not planned. We purchased the policy over a year and half ago I think and just recently he became ill and we were able to use the policy which was a huge "peace of mind".
Wall Joan
Ease of use.
Ease of use.
PJ F
Embrace Pet Insurance has been wonderful!!!
Embrace Pet Insurance has been wonderful! It is so easy to submit a claim and each claim is quickly evaluated and paid. The bonus for me is that the claim is paid directly into my bank account. Their documentation on what is and what is not covered is very easy to understand. I highly recommend Embrace Pet Insurance!
customer
Super fast claims processing
Super fast claims processing. Easy to file the claim itself. Highly recommend
Andres Arcila
Claims were satisfactory resolved and…
Claims were satisfactory resolved and fast.
Suzanne Hobbs
I very much liked the ease of talking…
I very much liked the ease of talking to a rep. All of the company reps were sweet, knowledgeable, and kind. Even the one who took my cancellation notice was friendly and never tried to change my mind or sell me anything. I adopted my Coda one day after putting my 20+ yr old Pepper to sleep for serious kidney issues. I wanted full coverage for the new one so I didn't have to spend huge money if she was found to suffer from kidney issues as well. She had been to a vet once with previous owner and from that ONE visit, they refused to cover her for any kidney issues due to one lab done 2 yrs previous. I will care for this lil girl the remainder of her days, but them considering her a bad risk due to ONE lab, irritated me beyond my ability to continue with the now over $400/yr. coverage rate which was much higher than her initial yr. coverage. Nope, I am NOT paying for other pets issues and rate increase because of ONE lab. I am a retired R.N. and have worked with insurance companies all of my career. If this had been a human being I would have been appalled, however I am simply angry with it being a pet. My income is fixed. I can't afford outrageous jumps in a policy coverage rate in only one year especially if it will not cover the health issues I most worry over. I will simply put money aside monthly for her vetting. Give me rationale for this massive rate increase at least, before simply billing me. ( she was seen by her vet ONCE in this past year for her distemper inj. and I never bothered to submit it thinking it would push her fee up. I was wrong, and should have known it would go up anyway). Insurance was a waste for Coda and I.
Barbara Justen
Representative was very informative
Representative was very informative, helpful, interactive, and pleasant. Walked me through the options with clarity and patience. Specially appreciate the tool to explore the options and costs- very very helpful.
Bridget Kearney
Seamless submission experience and very…
Seamless submission experience and very quick turnaround of payout.
Renee Gentry
The Embracer was really patient and…
The Embracer was really patient and understanding. I wanted to make sure that my November payment went through for my little Ginger.
Michele Nihipali
Easy and quick claims processing
Easy and quick claims processing. Refund returned in under 5 days.
C. Marmaros
Ease of Online Claims Submission
Your claims submission process is so user friendly and stress free. Thank you! I wish all insurance companies worked like this.
Eve
Their claims process is quick and easy
Their claims process is quick and easy! It helps me immensely with my two cats with not having to worry about an emergency.
Rachel Reed
Absolutely the best pet insurance
Absolutely the best pet insurance. Easy website, wonderful customer service, quick and painless.
Wale
The staff regardless of who I deal with…
The staff regardless of who I deal with in professional, kind, attentive and well versed. I get the help I need and its a quick and enjoyable experience.
Johanna
Easy to submit claims
Easy to submit claims
William A
One of the Best Investments In Insurance I've ever Made
One of the Best Investments I've ever made in Insurance. The price of emergency care has sky rocketed. Last year I had a friend that adapted a puppy. After 4 months of bliss his puppy got cancer. Long story short puppy is doing well but it took 3 months of surgery's, chemo (yes chemo) and many visits to Vet and Vet hospital. For real his Vet bills totaled over $16,000. So when we got our puppy this year I checked into animal insurance. I heard all the horror stories that the animal insurance companies never pay but after extensive research and quotes I felt Embrace was the best bang for the buck. I've had pets before and hardly ever needed a Vet for other than basic wellness but my friends experience made me choose to try it out. My puppy policy was not very expensive at all. Needless to say my puppy at 6 months old was either stung by a bee or bit by a snake (never saw what did it to her) and she went into anaphylactic shock and almost died. Well the Vet hospital bill and follow up was over $2500. Embrace paid their contracted share within 2 weeks ($1800 or 90% after my $500 deductable), directly to my bank account. After initial required documentation from me they did all the legwork with the Hospital and Vet. Best thing of all was when the Hospital told me what was needed to save our puppy I didn't flinch about proceeding with the procedures, figuring that's why I got insurance. After all was said and done It sure was nice to know I didn't have to have our puppy either put down or take on an enormous amount of debt to save her. The peace of mind was such a relief. Vets and Hospitals are not cheap these days. I can't give enough praise to my Embrace experience and their part in saving my puppy's life.
Sean O'neil
Incredible
It's very sad that people health insurance isn't as quick and easy to navigate as Embrace pet insurance is. The people at Embrace made the process so easy and were so incredibly helpful. Thank you very much to everyone at Embrace for making a difficult time less painful.
Glenda Harris
Easy to communicate and timely…
Easy to communicate and timely responses. Claims are easy to file online. Appreciate the service.
ashlee levitch
Always wonderful
Always wonderful! Grateful they take care of our pets too.
Haley
We like it
I like embrace overall. Was recommended to me by a friend who is a vet tech. Prices are very reasonable with ability to customize your plan in a way that works for you. Claims filing and reimbursement process is extremely quick and easy. Would recommend
Mar
Embrace representatives were very…
Embrace representatives were very helpful, especially during a difficult time for us. One of our dogs passed away recently, and the Embrace team worked through the claim process with the vets.
Carol
Fast
Fast, easy, convenient. Well worth it!
Gray MacGregor
Easy submission!
Easy submission!
Taylor Mulford
Submitting a claim
Super easy process
Barb
First time with Pet Insurance
Hi, first time in my life (I'm 71!) I've taken out pet insurance, but everything is so expensive these days, and one of my kitties just went to heaven less than 3 weeks ago. So I took out an Embrace policy for my 11-year old kitty, Buffie and took her in for her annual exam last week. I bought the wellness package also, so that would help with some of the cost. I followed directions to submit a claim for her annual exam and toenail trim, and couldn't believe how easy it was. Better than sliced bread! All this time I thought pet insurance would be exorbitantly expensive, but I'm retired from military and also covered by USAA for auto and home, so have those discounts with Embrace. Wish I would have done that years ago with my Benjamin Kitty, my sweet guy who is no longer in pain now. Everyone I've spoken to at Embrace has just absolutely been the Cat's Meow!!
Jillian
Smooth claims process
Smooth claims process. Was nervous to submit my first claim but I was pleasantly surprised.
Mary Jane Anderson
Quick and easy!
Quick and easy!
Leslie
First time pet parent!
Filing a claim was very easy with Embrace! I’m a first time pet parent with no previous experience. My little love required emergency surgery to remove a large quantity of gauze. I was able to file two claims - two separate procedures - with ease. The checks arrived in my mailbox- in one envelope- within five days of filing. I’m very impressed with the ease of the whole claim process.
Avarayne Cached
Embrace has been super helpful and…
Embrace has been super helpful and worked with me on various claims. Thank you for your support... RIP my fur baby.
Aneliese & Richard Burrell
Very happy customer
My dog has developed some allergies. So, I had to file a few claims for the first time since having the insurance for 3 years. Embrace was quick, easy and got the refund to me within days. I have no complaints! I will be a very long term customer. Thanks Embrace!
Cheri Barker
Clear and easy to use
Clear and easy to use
James Carmichael
Great customer service and help
Great customer service and help
customer
Great service
Great service, 1st time used in 8 years was thinking about canceling but I’m thankful I didn’t. Reimbursed immediately. Embrace will always be my choice!
Sarah Ward
Every claim has been easy with staff…
Every claim has been easy with staff being helpful with any questions. Best pet insurance!
Linda Do
My babies have been with Embrace for 15…
My babies have been with Embrace for 15 years. My baby boy Kenji was 13 years old when he passed away on 10/3/2021. My baby girl Kiki will be 9 years old in February. I rarely have any issues with Embrace. Most of my claims are reimbursed.
Robert Dastrup
Quick reimbursement
I received my reimbursement from Embrace within a week of submission.
Gregg Settle
it was easy to file a claim
it was easy to file a claim
Customer
Don't give a policy if you're not going to let your customers use it.
Happy to charge us for a policy for our cat while simultaneously denying any future claims due to a "lack of medical history" since we were out of the country for two years. Don't give a policy if you're not going to let your customers use it.
Rancho Santa Fe
I’ve been with Embrace for 3 years
I’ve been with Embrace for 3 years. My experience is Embrace pet insurance has been excellent for the past three years. The claim process is easy with a user-friendly platform and quick picture uploads. They have approved all claims without rejection and cover a wide range of conditions, including emergencies. Payments are directly deposited into your bank account with minimal wait times. I highly recommend Embrace to any pet owner.
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