Embrace | Pet Insurance Review

Premiums going from $68/mo to $110/mo? That’s absurd. Sure I guess it’s nice piece of mind to pay that every month while knowing we’d still have to shell out $2k deductible God forbid something catastrophic happens, but come on! That’s a wild increase!

The company representatives were excellent in assisting with my first submitted claim. Payment was timely and for the full amount submitted.

Still waiting to see if vet visit will be covered prior to surgery. It has been almost a month and still no answer. They sent an email requesting more info from the primary vet. Still nothing. Starting to feel like I am jumping through hoops.

The portal is very user-friendly, and the process is seamless. Just need to upload invoices that are typically emailed from your vet.

Embrace plays fast and loose with "pre-existing conditions." It's not just the conditions they won't cover, but the symptoms or "clinical signs." Per a service rep: "Had [your dog] been treated for diarrhea, that would have also been a pre-existing clinical sign, so any related condition would be ineligible for coverage unless definitively ruled out to have been present at the time of onset and any subsequent pre-policy episodes." So if my dog has diarrhea because they have a parasite, and then have diarrhea again for another reason, nothing would be covered because they'd already had diarrhea. It's mindboggling how they truly don't have to cover anything. They wouldn't even cover a fecal exam to check for parasites despite another dog in the house having parasites. I am kicking myself for signing up with them.