Embrace Review
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Reviews 6702 
Salvatore Midili
Embrace as always does a great job…
Embrace as always does a great job communicating with us on our claims and always follows up.!
Joyce Nakanishi
Veterinarian referral of the company
Embrace responded and provided my refund quickly. I provided detailed information on my claim which helped me expedite my claim. This company is professional, polite and more than willing to assist me. My veterinarian has her own animals covered with Embrace and recommended I do the same.
Christine Guerra
Great Agents
The agent was very thorough and gave me options to consider.
Thomas Macpherson
Compassionate Care and Full Coverage
We recently lost all three of our pets (2 cats and a Newfoundland dog) over the stretch of 6 months. Embrace was incredibly supportive covering nearly all our expenses and being most compassionate during this very difficult time. We highly recommend them.
DiAnna
Overall pleased
Embrace pays claims in an orderly manner ONCE they understand the information given them. They repeatedly asked for a diagnosis from my vet and me when the information was already given. Their Customer Service was very professional, polite and helpful once I got through. Overall, they are good but need to work on their review of the claims submitted.
Patricia Mahanti
Going thru an appeal on a claim
Going thru an appeal on a claim. Was shocked to also learn that because I called my vet months ago- embrace retriggered a pre-existing condition. For another year.. even thought we’ve had NO issues for 15 months.
Robert Schlitzer
Website is very easy to use and quick to address claims
Website is easy to use and it's quick to address a claim with upload a simple matter from a PDF scan.
Jackie Colaizy
Embrace offers good products, but one needs to be diligent about how claims adjusters process claims.
Embrace offers good products, but one has to stay alert to make sure they reimburse for qualified services. It seems that claims adjusters make arbitrary decisions about whether to pay or not. I submitted a claim to use wellness rewards for my pet’s recent annual physical. The adjuster changed my claim to an accident/illness insurance claim and initially didn’t cover anything and said my claim amount would pay toward the annual insurance deductible ( there is no deductible for wellness (preventative health services.) I disputed this and the adjuster changed the decision and covered my claim in full. It was a straight forward wellness claim that took over a week to resolve. One has to know the Embrace policies and be diligent about how they process your claims. My premium just went up by $50 per month, with no explanation, so I need to contact them again about this. I’ve read that they increase premiums as the pet ages, and my cat is 8 years old, which is not that old for a healthy, spayed indoor cat. I may not keep this insurance, and am currently considering decreasing coverage at the very least. I mainly took out this insurance because it offers dental insurance for my younger cat that has chronic dental issues.
Joaquin Alicea
The customer service is amazing
The customer service is amazing; they are always ready to support me with any doubt or information I need.
Barbara L.
Embrace pet insurance makes it easy
Embrace pet insurance makes it easy. I don’t have anything other plan compare it to, however you you submit a claim, the process is very easy. If you live your pet as much as I live mine, and you don’t have Embrace, I would highly recommend them. They are nationally known as one of the best for pet insurance.
Karen Chiles
Easy filing and prompt returns.
Contacting by phone very easy. The whole experience has been great so far.
Ashley P
By far the best pet insurance you can…
By far the best pet insurance you can get. It can be difficult sometimes when establishing your vet with your insurance but it is SO WORTH IT. The reps are always kind and quick to help when I call with a question.
Luisa
Outstanding Pet Insurance
My dogs have been covered by Embrace Insurance for many years, and I’ve been immensely grateful for the peace of mind and Embrace’s terrific customer service. Financials are handled efficiently, questions are answered quickly and knowledgeably, and customers are treated thoughtfully at times that are often very stressful. Embrace Pet Insurance gets my heartfelt recommendation!
Lisa
Slow process and frequently says it's a…
Slow process and frequently says it's a previous medical condition when it isn't. Other pet insurances cover that.
Kim Randolph
Good and prompt service
For the most part, I've had embrace for over 5 years and I'm very pleased with the service I get. Sometimes it's rather tedious I know for my vet, who has to sometimes send in multiple doctor notes before a claim is paid. But that rarely happens, therefore I still am giving a five star rating.
B Bennett
Embrace has been incredible to work with
Embrace has been incredibly easy to work with! From the very first day of exploring insurance options and filling out my application, to speaking with a representative who helped me choose the best coverage for my needs, the process has been smooth. Now, submitting claims is quick, and their communication is excellent. Overall, they’re very professional, and I’m so glad to be working with them!
Barbara Ferrell
Easy claim process
Easy claim process! Upload receipt, give brief explanation, done.
Linda Thompson
Reliable…and speedy!
I was quite pleased to see my settlements come so fast. Since this is my first time with pet insurance, I was a bit worried about how long the wait was for payment. So far I'm happy. They kept me informed as they processed my claim. Thanks much Highly recommend this company!
Mitchell Caplan
Outstanding customer service and…
Outstanding customer service and responsiveness!
Josh Foss
easy peasy easy setup
easy peasy easy setup
Jennifer Griem
Well worth the money
Easy to use, submit and receive payment on claims. Have used for our dogs since 2018 and highly recommend it to all pet owners. You can customize your coverage to meet your needs and be sure your pets can get the care they need. You never know what your pets will do next - be prepared with Embrace!
Ruth Nelson
Above and Beyond the best Company…
My GSP has had several issues that are difficult to diagnose and we seem to be going through process of elimination with his Vets. There are no words to describe the help and assistance I have received from Embrace. They go above and beyond as far as customer service, prompt attention to claims and just all around a great company!
Robin Lobb
Easy way o file claim
Easy way o file claim
JK
Quick & easy
Quick & easy. Telephone assistants very knowledgeable who answer promptly and easily answers questions. No need to constantly repeat yourself.
William McCourts
We had a very catastrophic event with…
We had a very catastrophic event with my dog. After surgery and hospital the cost was over 14k. They reimbursed me just at 12k. I felt the claim was handled very expeditiously and fairly. Unfortunately our dog passed in recovery :(.
Jonathan
Great coverage
Great coverage, even for hyperconcerned doggie daddy me! Great phone service too.
Julie Hammond
Very easy to work with...
Very easy to work with...
Amy Marotz
Our puppy had lameness
Our puppy had lameness, but since he had cleared his initial orthopedic exam and x-ray, all of his elbow treatment was covered. Super easy to submit claims- fast and reliable coverage. Thank you!
Mary Badame
Such a relief to have Embrace cover my…
Such a relief to have Embrace cover my babies. They are professional and very honest and reputable, explaining is easy and my girl has been covered thru many diagnosis. It was never pre existing great job
Hisako Walker
I am very confident with their staffs
I am very confident with their staffs. They process the claims very quickly. They offer professional services.
Randy Smith
My recent claim submission was handled…
My recent claim submission was handled quickly. Reimbursed very fast for covered expenses.
ELAINE
Submitting the claim was very easy…
Submitting the claim was very easy understanding what was covered on the wellness rider was very easy. I will wait to see what the experiences in the claim processing the timeliness and the paying, and then I will repost another review.
Donna Rocco
Just submitted a claim
Just submitted a claim, can't wait to see how it goes! The only issue I had was entering the Vet, and then when I refreshed it worked. I'll update soon!
William McKenna
I have had Embrace for about 4 years…will always keep them.
I have had Embrace for about 4 years now, having three of our dogs covered by their insurance. Their claims submission process is very easy, and they process the claims promptly. Their customer service is great, and their coverage plans and choices are numerous to fit your needs. I highly recommend Embrace. They are also compassionate and understanding when dealing with you.
Susana Delgado
Embrace has been the best pet insurance…
Embrace has been the best pet insurance company for my cat. Their representatives are always patient and attentive. They work well with my cat’s veterinarians and collect requested documents thoroughly. My only complaint would be that the Embrace website and app have a habit of not working or showing the same information. Should your claims ever get duplicated or removed, it’s always best to communicate back to Embrace by phone. Once you are able to speak or email directly with one person, the claim process is much smoother.
customer
Embrace was easy to work with and…
Embrace was easy to work with and always had great customer service
Linda
Easy to submit claims
Easy to submit claims. Turn around time on payments is rapid. I wish I had all my pets on Embrace
Nikki Hampton
Thank you Embrace
The staff are amazing and very professional. This is the first time for me to carry insurance on my pet. It is wonderful to have that peace of mind. Thank you Embrace
Frances
We have been very happy with Embrace
We have been very happy with Embrace. They are fast and efficient with claims. We have never had a claim denied or had to argue about a claim. Their Wellness package is great too. Highly recommended.
Ellen Blocher-Winkler
Very easy to submit this claim
Very easy to submit this claim. Done in 5 minutes I was very pleased with ease of this submission.
pat feldman
Easy to submit claims and quick payment
Easy to submit claims and quick payment
Frank Bastone
Embrace…best pet ins I could find…period !!!
I have never written a review for anything in my life, but I am taking the time to write a review for Embrace Pet insurance. They take the time to explain things to you on the phone , when you make a claim they don’t waste time to pay you back , I got paid within a week. I’ve used other pet insurance companies and they did not even come close. I would recommend this company to all of my best friends….Frank Bastone
DEBORAH S BATES
Representative was very pleasant.
Representative was very pleasant.
Brian Piper
Embrace is a great company
Embrace is the first pet insurance I have used but I have been very happy with them. Claims are easy to submit and they process them in a timely manner.
Bill Howard
Very easy to use
Very easy to use
Richard Hart
I'm giving a 5 star because the…
I'm giving a 5 star because the customer service was great when I got insurance for my puppy, Lucy. I haven't used it yet so I can't say anything about claim reimbursement but starting a policy was easy. I will edit if there is a problem but I don't feel there will be.
Clyde Meade
My dog had surgery due to a mass on his…
My dog had surgery due to a mass on his muzzle. This required blood work, pathology, etc. My bill was over $1200, my reimbursement was $351. Why am I using Embrace? Going to have to do some research. Already spoke with others that have pet insurance, they were surprised at the little reimbursement.
Suzanna
Service is always timely and efficient
Service is always timely and efficient. Staff is very friendly and always competent and efficient.
Jon Sexton
Phenomenal Process/Company
Embrace makes submitting a claim extremely easy. The turnaround time for review and reimbursement is very fast. This is one of the best decisions I've made for peace of mind and the health of my dog.
Lynda S. Leonard
So pleased with Embrace
So pleased with Embrace. Have had this insurance for 9 years.
M. Hungria
Great custom service
Great custom service
Belen Fuentes
Loving Embrace and feeling safe
This is the first time I've needed to use my dog's health insurance, and it has been great. The embrace team was helpful and resolved my claims in a maximum of two work days. I appreciated it because I felt safe not having to call and see the status of the claims.
bill rouse
As always you guys are fabulous.
As always you guys are fabulous. Process to submit claim is seamless. I thank you and BEHR thanks you!!
Michael Felmly
I did not feel confortable as there…
I did not feel confortable as there were s many cavets to get a claim thru the system.
Janice O'Leary
EASEY TO FILE CLAIMS AND PAY QUICKLY.
EASEY TO FILE CLAIMS AND PAY QUICKLY.
Veronica Cole
We've had nothing but good experiences…
We've had nothing but good experiences with Embrace. Some of our claims are not reimbursed, but there is always a reason why (e.g., it could be reasonably linked to a pre-existing condition). Also, the PawSupport chat line has helped us a lot. This insurance, while expensive for an older cat like ours, has already paid for itself.
Carolyn Carano
On line submission of claim was…quick and easy
On line submission of claim was painless and processed quickly.
Anonymous
Covers accidents and illnesses promptly…
Covers accidents and illnesses promptly and easy to submit claims. Does not cover pre-existing so not for all dogs. Peace of mind for dogs who tend to eat non- food items.
Lorrie W
Highly recommend Embrace Insurance
We've never had insurance in the past for any pets, so we were not sure if we should get it nor what it covered. When USAA offered it, we decided we should get it to cover any unforeseen issues with our little guy. The first claims were seamless in that we just submitted everything, and Embrace would look everything over and contact the doctor if they needed anything else. The contact info on the website help us understand what is covered. I would highly recommend Embrace Pet Insurance to everyone!!
Nancy Wu
Always simple and quick
Always simple and quick, best experience! 👍
Shawna Saldana
Very responsive
Very responsive . Straight forward and easy to navigate their APP to submit invoices.
Roxanne Himmelberger
Great service
The representative was very kind and helpful. Great service!
Sabrina Gove
Embrace paid 90% of the vet bill.
Embrace paid 90% of the vet bill. Best pet insurance for all of ur pets My pet bill was over a $1,000 She became sick suddenly, wouldn't eat, throwing up, Diagnose, Anemia She recovered, all is fine Doing great! Select Embrace Pet Insurance, for your pets. Thanks
Jess Young
Peace of Mind
We have used Embrace pet insurance for over six years. Every interaction has been positive and helpful. The claim submission process is very easy and responses/decisions have come quickly. We've needed to use this insurance for unexpected, life saving surgeries and it's been so comforting (mentally and financially) to know we have our pets insured.
Daniel Cote
the claims process is quick and self…
the claims process is quick and self explanatory
Marty
Embrace is great
Embrace is great. Last claim I got paid an hour after submission.
S Leicester
Claims experience reinforced that I bought the right plan
The processing of my dog's orthopedic claim was fast. Less than 2 weeks. It was easy to submit a claim and the process was painless. It helped reinforce to me that I made the right decision to purchase this insurance and it responded when we had a major issue.
Bethany
I’ve had Embrace pet insurance for five years
I’ve had Embrace pet insurance for about 5 years. They have been amazing. Quick reimbursement times and really good customer service. The app for my phone is very user friendly. I am glad I chose them for my pet insurance.
Jim Kopf
Quick response to my inquiries
Quick response to my inquiries. Stayed on the phone to make sure my problem was resolved
customer
EZ to file.
EZ to file. Prompt payment
Mary Ann Taylor
I was…
My claim was reviewed and I was reimbursed very quickly.
Sandra Hill
It’s a great pet insurance. They will reimburse for things done with proper documentation!!!
I’ve had Embrace Pet Insurance almost a year. They’re pretty good with reimbursements on wellness; however, I’ve not had to use it for a major reimbursement. They’re pretty one draw back I don’t like is the limited amount of reimbursement you can receive on wellness for your pets; which is grooming, regular scheduled checkups, etc. I have the premium package with 90% reimbursement but the wellness part only goes up to $600 per year. With my pet being every six to eight weeks that amount is quickly depleted!!! I think they should increase the wellness reimbursement. The wellness you’re certain you’re use. Medical and/or accidents may or may not happen thru the year when you have a healthy pet. Pay too much for the insurance not to have a more increased wellness amount. Also I think they should reimburse for boarding but they don’t.
Pam Baucom
Embrace really came in handy.
I never really thought about getting pet insurance but when it was sponsored by UAAA I decided to give it a try. I am so glad I did. Yearly checkups and shots for my 3 cats were totally covered and then one of my cats got IBD. All tests and medication was covered and Embrace made it so easy. I’m quite happy I made the decision to get it.
Cristiana Mauricio
Claim took too long to review
Claim took too long to review, almost 2 months.
Jayme s
Best Insurance out there and the best…
Best Insurance out there and the best service available. Every time I've had something come up it has been painless and everyone has been so kind over the phone when I have questions.
Colleen Egan
Embrace is the best
I've had Embrace for 1 cat, and now another cat, and I have been very satisfied with their service. Claims run through in a reasonable amount of time. I recommend them to all my friends.
MaryJo Frechette
Not happy that I can’t change my…
Not happy that I can’t change my payment due date. I had a change of payday. I could only change it by buying a new policy that would not pay my pets allergy meds because that would be pre-existing condition. Not happy.
Joyce Mack
Always professional
Always professional, courteous, and knowledgeable.
DG
Really good plan! So glad have it after almost 8 years
I've had embrace for the last 7 1/2 years. The Wellness plan reimburses me for my dog's annual exam every year. It also helped me out greatly when my dog had to get a tooth extracted during a dental cleaning when he was a puppy.
Susan Banks
Embrace responds quickly
Embrace responds quickly. Sends reimbursement in a timely fashion. It is not cheap, but well worth it.
Evelyn Pierce
To submit a claim for Logan
To submit a claim is very easy. App is very user friendly. Thank you for making it easy to submit a claim.
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