Embrace | Pet Insurance Review

We have used Embrace Pet Insurance for our two dogs for the past two years. We are so thankful that we purchased it as one of our dogs was running around and started crying out. We took him to the vet who said we needed to go to a surgeon. His knee required surgery, with the bill approximately $4,000. All we had to pay was the deductible which was very affordable, with the rest covered by Embrace. We have also had a few smaller claims, which Embrace reimbursed without question. Our vet even sends the invoice to Embrace which makes it effort free. I would highly recommend Embrace Pet Insurance to protect their fur babies.

Always need additional documentation of clarification. Takes long time to get coverage or decision on reimbursement. For instance this was filed in October and it is January. Most recently our monthly premium increased as well.

Embrace is very efficient and I was pleasantly surprised at how much coverage I received for my very precious terrier, Lola. Embrace is one of the best and I highly recommend its pet insurance. They are organized and very caring, thoughtful on the phone. I give Pet Emrace five star plus. I truly "embrace" this company..

Easy claim submission. Relatively fast response of claims. Valid explanations when claims are denied.

Company looks for any excuse to not pay the claims. Four claims were denied due to alleged pre existing conditions even though my vets said conditions were not related. I did what underwriters told me to do to appeal but they kept making excuses. They pretty much told me they probably wouldn’t cover anything so I had to cancelled.