Embrace | Pet Insurance Review

I've been using Embrace for my two dogs for about a year and a half. My dogs have been healthy with no major claims. Yet, my premiums went up a whopping 60% after 1 year. I contacted the company as to why and only received a standard cookie cutter response about inflation, etc. A 60% increase in one year is completely unjustified. In addition, for one of my dogs they determined that anything related to the mouth, teeth, etc. will never be covered because a vet noted "some yellowing of the teeth" on his very first pet visit when he was a 3 month old puppy. They determined anything mouth related to be a "pre-existing condition". Ridiculous! I wish I had started with a different pet insurance company. Shop elsewhere.

Easy to use.

Embrace was there when our puppy needed special dental surgery and again a year later when she needed emergency care after ingesting a guest’s medication. They were quick to respond with payments and answer any questions. I highly recommend them!

My dog was having some medical issues and had to go through lots of testing and visits to find out what was wrong but it gave me some peace of mind to know that most of the cost would be reimbursed and it was in a timely fashion. Thank you.

Very efficient at processing and denying claims. Elevated liver values 1.5 years ago, which are now normal, were used to deny issues related to masses on the spleen diagnosed by elevated anemia (which were normal on the same blood test as the liver). They are unfortunately like so many pet insurers…not worth the money you pay them. You are better off with a savings account than wasting your money and deluding yourself into believing they care about you or your pets. No number of cute pictures can cover up the fact that they don’t pay claims. Period. My Vet has written a detailed explanation appealing the coverage and yet another denial, at least time only partial, to the visits that occurred in this day. These are large claims totally close to 10k. Buyer beware. Maybe they will have an experienced person review the claim and make the right decision but if your pet has been in for ANYTHING they will claim that it is related. Liver values to cancer (not found in the liver) as an example.