Embrace | Pet Insurance Review

Despite the company indicating that they cover hereditary conditions they do NOT. I purchased my policy AFTER my puppies initial visit with her vet. I had no knowledge of a condition prior to the purchase of the policy and the vet did not diagnose anything. My puppy was apparently born with Lateral Luxation and because it was noted in her file 11 days before a 60 DAY waiting period coverage for her condition has been denied. Basically your puppy would need a have coverage 60 DAYS before being born for this condition to be covered. Their policy states the waiting period is to avoid fraudulent claims. They are clearly manipulating the system with this waiting period for a new puppy so that they can obtain your premiums and plan to deny any hereditary conditions. For a new pet owner trying to cover their 12 week old animal after purchase/adoption be prepared to experience something you had no control over. Go to SPOT insurance they only have a 14 day waiting period for orthopedic. I 100% regret this decision.

Took quite sometime to process claim. Then the reimbursement didn't cover one of the diagnosis of hookworm as it was viewed as preexisting. Yes, there was a case of it in June when we rescued our dog but this new case is three months later. I am questioning the value of the premium paid versus value of coverage.

Prompt reviews of our dog's history and visit to the vet for an obstruction. Coverage of costs was excellent.

I was one who always thought pet insurance is a joke . I have changed my opinion after purchasing an Embrace policy. I could only wish my own health insurance worked this well.

Crazy easy to submit claims, fast processing and always so helpful on the phone!