Embrace | Pet Insurance Review

So far amazing. They actually reimburse us and submitting claims is easy.

Embrace has allowed my wife and I to pursue expensive treatments for our pets that gave us peace of mind and, in one case, added years to a life. We've never had a claim rejected over 7 years time across three pets, and several claims totaling tens of thousands of dollars in reimbursements. We've had claim follow-up questions and requests for further documentation, but never a denial. We had an 11 year old Lab suddenly grow gravely ill. All of his tests and procedures were covered. We had a 16 year old cat who was diagnosed with both diabetes and intestinal cancer under Embrace. Everything was covered, including measures costing thousands that added over two years to his life. We just had an otherwise healthy 14 year old cat pass from an agressive oral cancer just 6 weeks after diagnosis. Embrace covered her biopsy, tooth removal, meds (we have the medication add-on), follow-up visits, and what many still consider an experimental medication that likely doubled the time she had left. Embrace never even flinched...all covered. I get that some folks may say negative things about any company based on frustration or having a claim denied for some reason, but our experience with Embrace has lightened the burden that sometimes comes with pet ownership. I watched my parents struggle with taking a gamble saving an elderly pet at the expense of our summer vacation (it worked and the dog lived another three years). I don't have to worry about that because of Embrace and that's a wonderful thing.

Professional and efficient processing of claim.

So far so good as far as the insurance with reimbursing me for things they cover. Thank you.

They make all approved claims meet your deductible; you don't receive a claim check. Unless your pet is very ill, you'll never get a claim amount paid to you. Plus they make you start every year with past claimed, deducted amounts erased so it's virtually impossible to ever receive a dime after paying premiums year after year!