Embrace | Pet Insurance Review

My experience with it this company left us disappointed and feeling taken advantage of. We signed up our puppy around October 2023, submitted vet records as requested, and even had the optional extra orthopedic exam completed so he would be eligible for coverage sooner if a musculoskeletal condition developed. We paid faithfully for 6-7 months before my dog had a subpar experience with his groomer where his underbelly got accidentally nicked in multiple places, some more sensitive than others. He began to lick these wounds as dogs do, and within a day or two one spot started to look possibly like an early infection. We brought him into the vet on a Saturday morning before they closed for the weekend and he was treated promptly with antibiotic and anti inflammatory prescriptions. I submitted my claim, and 5 days later we got an email from a vet tech affiliated with Embrace who said she did a “medical history review” and permanently excluded him from motion sickness, and then added 12 month exclusions for giardia and “dermatologic conditions.” How convenient… despite us following all their rules, submitting his records at signup, as well as paying for him to have an extra orthopedic exam done by our vet and paying into his policy for half a year, they decide at the time of our first submission to go through his records and decide to exclude conditions, one of which was so generic it wouldn’t cover his current urgent and completely unrelated issue? Not to mention, even if this had been accepted, it would have just gone towards the deductible. I wish we had known about these “exclusions” before we started paying every month. I think it’s totally unfair for them to decide to apply a broad ‘dermatological exclusion for a year’ after he had some transient itching when he was a pup. If they’re going to pull stunts like that, they ought to tell you that at sign up. I would have reconsidered my decision to pay for their policy if I had known they wouldn’t even look at his history or initiate exclusions once the first claim was submitted. What’s the point of submitting that paperwork in the beginning then? What a waste of our time and money.

We got Embrace after we had to pay for our dog’s ACL surgery. We recently just had to have emergency surgery for her for bladder stones, and Embrace was a life saver and covered over 80% of the costs. A loyal customer for life!

I was given good advice when to add well-ness care for my dog. I was thankful for his honesty and not trying to get me to spend more money.

Thank you for covering Marshall’s surgery. It was life saving. So glad that we have EMBRACE!!!!

Could not recommend a better pet insurance company. They processed my claim quickly and sent a thorough email afterwards going over all the details. I will recommend Embrace to all my friends and family 👍 so grateful, absolutely worth it