Embrace | Pet Insurance Review

The claim process was simple. I used the Embrace app. Embrace responded within 24 hours with a comprehensive explain what was covered and what was not. I thought it was fair. Good experience.

Very happy with the customer service received from Embrace! They were very responsive after they had all the information that was needed to process my claim.

My partner and I are INCREDIBLY grateful for Embrace Pet Insurance. We insured our three cats about a year or two ago when we adopted our two youngest ones. I was pretty skeptical about pet insurance. If it was anything like my regular health insurance for myself, I expected they'd never come through when I needed them. But I was willing to give them a shot. Well, turns out the oldest one ended up developing Feline Lower Urinary Tract Disease and was rushed to the vet, hospitalized for three days, and had to undergo surgery to save his life. When you're in the moment, you'd do anything for your little one. And at first glance of the bill, my heart sank. We had just started getting our savings up and this would have tanked us. But then I remembered that we pay for Embrace every month. And boy am I grateful we do! We had the majority of our costs reimbursed! And I'm even happier to report that our little guy is happy and healthy again! I'm grateful for Embrace because they are truly a great thing to have in your back pocket.

I would give Embrace zero stars if it was an option! My dog recently had back surgery due to sudden onset of paralysis of her hind legs. Six months prior to this she was treated for a hip injury which resulted from a fight with another dog. Embrace labeled her back problem as a pre-existing condition and denied my claim. I even provided a letter from my vet stating her hip issue was in no way related to her back problem. Evidently the claims adjuster knows more than my vet who examined and treated her for the hip problem! They also refused to pay for treatment of a UTI that she developed 6 weeks after the surgery! They said it was due to either her paralysis (she was only paralyzed for 16 days before her surgery) or urinary incontinence (which she never had). As a nurse, I know bacteria wouldn’t have lain dormant in her bladder for 6 weeks following surgery. I have since cancelled my policies for all of my dogs and gone with another company.

Always listening. Quick with refunds