Embrace | Pet Insurance Review

After a heart murmur was found in our puppy, they decided to state that it was a pre-existing condition. Even after the vet recorded that it was an "innocent" murmur, meaning it won't cause problems, they denied the claim. I've paid thousands in premiums over the years for different dogs and I have to say that this is a total waste of money. They're horrible.

Honestly the best!!!! They were very transparent with the coverage and how the amount was calculated.

Very easy to submit claims. Don't ignore the occasional newsletter emails they send either. They have helpful tips and tricks.

I've been dealing with medical issues with both of my dogs lately and very unexpectedly. Both dogs have been covered with Embrace since I adopted them as puppies six and eight years ago. One recently had to have a double CCL surgery and the other is now going through a very unexpected cancer diagnosis and treatment plan. I had been frustrated with the recent monthly premium increase, but I'm so thankful I've stuck with this insurance company for my dogs. They've consistently covered these unexpected issues at the percentage agreed. I would not have been able to afford this on my own and would have had to make much more difficult choices for my beloved dogs.

I was sceptical I must admit, but once I submitted our first claim for our puppy’s illness I quickly changed my mind. Embrace reimbursed the cost within two days. Thankfully our puppy has recovered and is back to her normal spunky self.