Embrace | Pet Insurance Review

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

I never thought that I would have to use insurance on a pet but here I am!!! My beloved dog was diagnosed with cancer and I was so fortunate that I had taken out insurance on her. Embrace Pet Insurance so far had been absolutely fantastic. Claims are easy to file and I have the money in my account in a matter of days. I have talked to a representative several times and they have always been so kind and caring and had complete knowledge of their insurance.

We have had Embrace Insurance for our dog, Hugo, since he was 6 months old. I have been very pleased with the coverage for 17 YEARS until this past week when I received his Renewal of Policy. The premium of the policy has increased from $3,000 a year to $10,000 a year. Hugo is 17.5 years old. Because of his age Hugo is not a candidate for surgery (anesthesia) or any invasive procedure. This is a coward's way of cancelling us. We are being penalized for taking such good care of Hugo and the fact that he is a Geriatric dog. The explanation is that TOO MANY PET OWNERS IN SEATTLE HAVE PET INSURANCE!!