Embrace | Pet Insurance Review

I adopted a 8 month puppy from the shelter. A medical review was completed at that time and he was found in good health. Two weeks after I adopted him, I signed up for Embrace insurance. 2 weeks after that, I had to take him to the vet due to diarrhea. I submitted the claim along with his medical history that the shelter provided me (again clean bill of health). The adjuster denied my claim stating that the upon medical history review he found that diarrhea was a "pre-existing condition" and any treatment for that condition would be denied throughout the policy year. What? the medical history from the shelter EXPLICITELY states he had no diarrhea and when I go to get it treated it created a pre-existing condition. Of course I canceled my policy. What a joke. It's better to pocket that monthly $25 than spend it on this company.

Very expensive and raised my rates double and I'd never filed a claim in 3 years of having the service. My dogs are in excellent health and we never reached out to them for anything. Ripoff. Go with someone else.

It was easy to submit my invoice.

The claim on my dog’s surgery was easy to submit and processed incredibly promptly (3 days). I’ve shared the experience with other pet owners and highly recommend Embrace.

We had to recently take our 1 year old puppy to the ER. I was a little hesitant to take him as ER bills can be very expensive. But I knew that Embrace would be able to cover some of the costs. I submitted a claim, and within weeks they had reimbursed me for the bill. They are truly an awesome insurance for your pet.