Embrace | Pet Insurance Review

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....

When we got our Boykin Spaniel puppy two years ago, our vet highly recommended pet insurance since this breed is known for eating things they should not. Thankfully, she’s only done that once, but she has had some other unusual things happen that have required our vet’s attention. Afterward, filing a claim with Embrace has been so easy. Their quick response and thorough explanations help to relieve the stress we are feeling at the time. We highly recommend Embrace, for the excellent customer service they provide during the stressful times we all feel when our pets aren’t well!

My Yorkie mix had a terrible stomach issue on a Saturday morning that turned out to be nothing major but still cost over $500. I submitted the bill to Embrace. The process was fast and efficient, and I received the funds directly within about 10 days. Embrace is the best company I've used for my pets' care, and it's a comfort knowing that they are there in case of anything. Thank you!