Embrace | Pet Insurance Review

I only had pet insurance for a short period on a previous Golden Retriever. I did not think based on prior Golden Retriever’s past history that it was necessary. For some reason on my current (3rd Golden) I decided to get it as a pup. I chose Embrace because I like the various deductible, coinsurance, yearly maximum and also the wellness option. First two years, I only used the wellness benefit. The process to file a claim and get reimbursed was easy and payment fast. Unfortunately, I just had to experience the medical part of plan. Again, efficient! Very glad I chose to get insurance and with Embrace. I am crossing my fingers I will only have to use wellness option in future.

I’ve had a policy since Dec 2022 and will not renew. Today, 7/3/23, was the first time a claim was approved and , of course, it went to my deductible. My dog was denied for a pre-existing heart condition that was due to a vet saying, during an exam, “I think I hear an irregular heart beat”. The vet followed up with a heart exam (ekg, echo,etc) and said there was nothing wrong with her heart. But Embrace declared a permanent denial of this “so called preexisting condition”. I made a mistake and took her to the vet one day before the policy effective date. Therefore, everything discussed during that visit, ears, eyes, etc. is now a preexisting condition.

Embrace Pet Insurance (associated with USAA) is very affordable and has options to get reimbursed for grooming, training, as well as hospital visits and emergencies. The staff is very courteous and helpful. I highly recommend Embrace Pet Insurance.

Easy to use claim procedures, good records of dates and treatments, easy access of information.

I had an inkling that vet bills were just as high as regular doctors because my daughter has spent a fortune on her cat, so i got insurance on our new dog, and in her second year se got a stomach infection and our first bill was over $600! So glad i did, !!!