Embrace | Pet Insurance Review

I'll give them two stars for having a short waiting period before the policy is considered active, but legally they can't enforce a lengthy waiting period in my state anyway. I submitted a claim for one of my dog's bills that came out to $633. It was a nightmare processing the claim and it took over a month for them to send me a check for $36. The point of pet insurance is to make vet bills more affordable. Instead I'm just making pet insurance payments on top of paying the vet bills. I am canceling my policy and would not recommend Embrace to anyone.

I think they have no money. It’s been 7 working days and they are still reviewing

Embrace Pat insurance is very helpful. Easy, especially with their app to Download claims and they get back to you very quickly with your reimbursement, either by mail or direct deposit. I have had embrace pet insurance since my dog has been a puppy. She is 6 years old now. And it has really helped us to have this for her & ourselves.

They are using circular, junk-science logic to deny a $6,638 diagnostic claim for my cat’s bone-eroding pathology 。They claim a common runny nose from Feb 2025 is the same as 2026 Erosive Rhinitis。Their logic? Since I didn't perform a $6,000 CT scan for a minor sneeze a year ago, they can "assume" any future issue is pre-existing。This is an impossible standard of care.Even when a DACVIM Specialist clarified that the conditions are unrelated and the previous infection was never proven, Embrace refused to overturn the denial 。They are overriding a specialist’s medical diagnosis with their adjusters' speculation. Formal complaint filed with the California Department of Insurance.

We have been with Embrace since 2011 when we adopted our first Lab mix. From the start, Embrace has been quick to cover every expense without any questions. Our first dog, died from a brain tumor and our current Lab mix from Houston, has had multiple health issues that have amounted to thousands of dollars! His primary vet calls him the million dollar dog! It has been reassuring to know that Embrace has supported our dogs' health every step of the way!