Embrace | Pet Insurance Review

I have had embrace for several years now. They have been easy to work with and coverage is exactly as expected. They pay promptly. They were a huge help when one of my cats had cancer treatments. Recommend without reservations.

Embrace has all of my dogs' medical records; every last vet visit they have had. Yet, they consistently deny my claims based on pre-existing conditions, for which the claim at hand is not related. My dog has a diagnosed food allergy; medical records show that this is an allergy to chicken, which presents as intense skin/paw licking and chewing. I brought her in for veterinary evaluation and treatment after she had been lethargic and had vomited multiple times over the course of 24 hours. A decent $600+ visit after exam, x-rays, bloodwork, fluids and cerenia. Diagnostics were within normal limits and the vet attributed the symptoms to a bug of some sorts. She resolved within a week. Upon submitting my claim, it was denied based on food allergies. This dog has not vomited a single time in the 6 years she's been with us --- how can they claim gastritis is related to food allergies? Now my vet has to spend her limited time writing a letter of rebuttal. Embrace does not have veterinary professionals reviewing claims from the get go and this causes problems all down the line. I personally have a working history in vet medicine and I know when things do not make sense. I feel badly for any other customers with policies who don't understand the nuances and take denials at face value, not knowing that they are entitled to reimbursement for certain services.

Fortunately I only had a few minor claims the last 9 years that I've had my dog...until now. In the last 6 months she's had several procedures and Embrace has processed and paid my claims immediately! I'm very pleased. This is the reason I got insurance for her!

First time having pet ins and you guys are the best!!! Fast returns always there to answer questions....no complaints here!!!!!

Our Shadow has had a very rough year. Embrace has been there for Shadow every step of the way. The claims were handled with lightning speed also. It has been such a blessing to have Embrace in our lives. We love Shadow to the ends of the universe and Embrace made sure she got the care she needed so badly. Thank you Embrace!