Embrace | Pet Insurance Review

I couldn’t be more pleased with the experience I had. The representative took the time to listen to my concerns and provided clear, detailed explanations of the different insurance options available for my pet as this was my first time getting a pet, and also navigating the insurance process. What stood out the most was his patience and willingness to answer all my questions, no matter how small. He ensured I fully understood the terms and conditions, helping me make an informed decision. It was evident that he genuinely cared about my pet’s well-being and wanted to find the best coverage for my needs.

Not good for AKC purebred puppies that at 6 weeks have a “good to go home” record signed by a valid veterinarian at VetCo which covers all physical wellness(vaccinations, deworming, check ups) of the puppy. This is deemed invalid by Embrace. Now future visits are considered preexisting because they claim that my dog never had a valid physical. No coverage for visits. Very frustrating!!

Embrace coverage appears to be pretty comprehensive, although this is the first time I’ve submitted a claim and I just sent it. My one concern is that vets won’t bill this insurance carrier directly, which in some cases could negate the value of carrying this policy altogether. My dog’s ER visit was about $2500, and most ER hospitals require that you prepay. I’m not sure what I would’ve done, had it been $10,000. In that case, this policy wouldn’t have saved my dog.

Claims are so easy to submit and processed quickly

To date, Embrace has been great about granting our claims for our two babies. Additionally, the claims process is so easy and quick!