Embrace | Pet Insurance Review

While the claim submission process was pretty easy and communication was clear, I was extremely disappointed to learn that one of our claims was denied because they deemed a symptom that can occur in subsequent illnesses/episodes to be a pre-existing condition. So because our puppy had diarrhea when he first came to us (like most new puppies do), any illness with diarrhea as a presenting symptom is now being denied as pre-existing. Convenient way of getting out of paying for claims.

I have been a client of Embrace for a number of years now, I have always had the best of experiences when having to work with them during difficult and emotional times. Just like human health insurance, you don't contact them just to say "Hi!," you contact them when there are issues. The agents and staff at Embrace are some of the nicest people that I have had the pleasure of doing business with. They are empathetic, quick to respond, and very helpful. The prices are reasonable too. Like many insurance companies, I'm sure they get a bad rap as Insurance companies are easy to attack, especially if one doesn't understand the foundations of risk and cost avoidance that underly the reasons and cost of having insurance. Embrace has been very easy to work with on those times that we needed help with the expensive costs that come with keeping our little furry friends healthy. Embrace agents are also very empathetic, especially when the health news is dire, and this isn't fake caring, they really care. I highly recommend Embrace to anyone with a pet, who wants to make sure they can afford to move forward with those hard medical decisions that may come up during the lifetime of your pet.

People complain about things not being covered. READ what coverage you are buying BEFORE you purchase. I have been with Embrace for over 15 years and have not had a bad experience. One dog needed an MRI on his head which was nearly $6,000 - they paid 80%. Another dog needed spinal surgery which was nearly $12K - they paid 80%. The current dog needed emergency care - they paid 80%. In all instances I was reimbursed within 14 days. Read what you are buying so you won't be surprised. They have been fantastic for us.

Basically nothing will covered - expect everything to be denied. There is no true coverage, you will get reimbursed practically for the same amount of insurance you are paying for. Review your policy in detail prior to paying for anything. The process not complicated if you follow the instructions. But if you pet has any type of true need for insurance, other than the standard check ups, you will end up paying for it all out of pocket with this company.

I could not be happier with my Embrace claim experience. My 5-month-old Corgi puppy ingested a small amount of antifreeze last month. Thankfully, I got her to the emergency hospital immediately and they were able to save her life. The hospital bill was $4200+. Embrace approved all claims and paid them quickly, enabling me to, in turn, pay the charges on my credit card without incurring any interest charges. The claims submission process is easy and fast, and they pay promptly. My Embrace coverage is a sound investment.