Embrace | Pet Insurance Review

I am a veterinarian, so I have experience with most of the pet insurance companies out there. I got insurance on my own dogs when they were young, & thankfully have not had to use it much. My dogs (like most dogs) have had episodes of vomiting &/or diarrhea, & because of that have had diagnostic work-ups to ensure it wasn't something more serious. Therefore, claims were submitted for “vomiting” or “diarrhea.” Now that they are middle aged, & I am not a poor vet student, I wanted a pet insurance with unlimited coverage, versus the annual cap of $15,000 I had per year when I originally signed up for my plan. At this time, Embrace did not even offer “unlimited” coverage, or I would have chosen it. Not to mention - my insurance with Embrace had gone up SUBSTANTIALLY over the past year (not once, but twice)…& is more than double what some of the other, better insurance plans out there cost. When I signed up for Embrace, they DID NOT have or offer an unlimited plan. However, they now DO offer an unlimited plan. I tried to switch from the annual capped plan, to the unlimited plan, & the difference would only be $10 more a month. But when I went to do that, I was not able to without canceling my current plan, & starting a new one. Which would require a two week waiting period - which is understandable, & I was okay with. But what I was NOT okay with was that ANY of the previously submitted claims, for vomiting or diarrhea, would be counted as “pre-existing” problems, & would NOT be covered. I assured the manager that I spoke with that vomiting & diarrhea are symptoms of almost every ailment out there - & was told that ailments with symptoms of, or presentations for vomiting & diarrhea in the future, would now be “pre-existing” & not covered under the new plan. Vomiting is a sign of almost everything - any disease where a pet vomits - likely won’t be covered… So for $10 less a month, I have an annual cap of $15,000. If you’re reading this & looking for pet insurance, I suggest you go with a company that offers unlimited coverage at a reasonable price, as >$15,000 is now a very realistic cost if your pet needs intensive care or surgery. Currently, I feel stuck with an overpriced company with a terrible annual cap. I have signed up with another company, with a better reputation for $200 less a month for unlimited coverage - once I see what they will cover & count as pre-existing, I will be canceling Embrace. Do yourself a favor, & don’t sign up with them in the first place.

I’ve never had any trouble with embrace. They give me the peace of mind I need to take the best possible care of my cats!

I was very happy with Embrace. I felt my claims were handled in a timely manner. I like the fact that I was sent emails and messages so I knew where I stood along the way. it was very easy to file a claim.

Partnered with USAA, has been our reliable choice for pet insurance and wellness. Highly recommend Embrace Pet Insurance for ease of use, friendly customer service, and reliability for care of our GSD.

First claim i’ve ever filed. Good people to work with. Even though their phone msg says there can be up to an hour of wait time, someone actually DID get back to me, both times I called. *Must be careful to give the correct details from the beginning. They want vet history. If you accidentally list a vet that wasn’t in your pets history, you’ll be hung up for days while they continue to try to retrieve history that doesn’t exist. Suggestion: be sure to get all the history yourself, then email or upload to the site. Vets names/addresses need to be correct. Correcting all the way through to adjusters after the fact is challenging, even with phone call. They honored my claim, with very reasonable payout. Would I recommend? YES :-)