Embrace | Pet Insurance Review

The good: super easy claims process and quick payment. The bad: be REALLY careful that you know everything about your pet's medical history before signing up. I didn't know that when my dog had a tooth pulled, the vet found a small growth called an epuli (it's a common, benign growth in dog's mouths). Embrace saw that in my dog's medical records from over a year prior, and said that without a biopsy to confirm it was benign, they'd consider ALL growths, including cancer, a pre-existing condition. I obviously could not get a biopsy on something removed over a year ago. I canceled and got a pro-rated refund for the rest of the policy because it just didn't seem worth it to have such a large exclusion.

App was easy to use, the claim was simple, very responsive with questions. Love it!

I insured two dogs - a five year old and a puppy at a monthly cost of ~$115. I also have a $500 deductible and a 20% co-pay. After a year, Embrace raised my monthly premium to ~$140 with no explanation. I’m currently doing the math, but at a certain point, just putting aside $140/month into a savings account will likely be more cost effective than this “best in class pet insurance”. Buyer beware!

Very easy to make a claim. Also excellent communication from Embrace about its status throughout the process. Spoke with very personable and informative Customer Service member about the refund options. So nice not to have to fight with an insurance company!

Prompt payment and awesome service. They covered $6 k in bills when my dog got cancer . Thank you