Embrace | Pet Insurance Review

The web site is very user friendly - unlike so many others! Submitting a claim was so easy. I really appreciate that!

Being honest, I thought the insurance would have covered more. We struggled with our dog as he as a very bad reaction to vaccine shots. We paid the bill upfront and were hopeful we would get it returned for what we pay for insurance. I guess we were lucky he was not in hospital for more than 8 hours.

Cancelled the policy after one claim filed. We got the policy for our 9 month old pup. Lucky we had to file a claim in second month and found out that they will claim everything as "pre existing" Example: our pup sneezed in May, normal for dogs. In July he had allergies and we went to the vet for his cold and sneezing. We filed a claim, embrace tells us sneezing is pre existing and will not be covered until the dog is sneezing free for 12 months. in essence I will pay you 12 months or more for nothing. Sneezing is a symptom not a condition. Dogs can sneeze for multiple reasons. Later they sent me a longggg list that in essence says everything is "pre existing" Cancelled them on the spot. Save your money don't fall for their scam.

The claim was ultimately approved, and there were multiple communications throughout the process, which I appreciate. But some of the communications left us confused about our coverage and how filing a claim could affect future coverage.

Claims take wayyy too long, hold times wayyy too long, should have paid a little extra and stuck with trupanion. You get what you pay for....