Embrace | Pet Insurance Review

It is costly and would not cover my dog's allergy condition, which the plan listed as a pre-existing condition and did not cover any costs. We paid more for the wellness points, but it still didn't cover what I paid out of pocket for my dogs' health care. I am a veteran and purchased the plan at the recommendation of USAA, but I won't be doing that again.

Best pest insurance , I highly recommended it . Our fur baby had vet emergencies that anre super expensive and they covered pretty much all the cost until his last day of his life. They truly care about pets and you.

I am impressed with how fast I was reimbursed for Mia's first vet visit. Loving the service so far

My first claim took almost 45 days while they looked for a loophole to deny the claim. After I complained they realized they had unfairly denied the claim and paid it, but they made me wait six weeks. My dog is a two-year old rescue Chihuahua. I disclosed to Embrace in November 2023 when I insured him that he was a rescue dog and his medical history was limited. Seven months into the insurance the dog was throwing up, not eating and his stomach was growling, so I took him to the vet and filed a claim. Upon review of his surrender vet intake visit, Embrace determined this was a per-existing anorexia condition because the previous foster parent had taken him to a vet 11 months earlier for not eating. He went from surrender, shelter and foster home all in one week. Find me a rescue dog that doesn't stop eating when he's moved around three times in one week. SHAME ON EMBRACE! They are out of touch with reality and it appears they hunt for loopholes to deny a justifiable claim. And forget calling them. I tried several times and the hold times are ridiculous long (easy fix - hire more reps or pay more claims). If you have a rescue dog with limited medical history this insurance is not for you. I'm truly disappointed, they are not all that they claim to be.

Highly recommend Embrace.