Embrace | Pet Insurance Review

I signed up for this insurance for my two cats in January. At that time I had to submit all medical paperwork from the vets so that coverage could be determined. We were given the green light. Fast forward to actually submitting a claim for ER visits and all was denied because they said everything fell under pre-existing and that after review, I should be on accident only coverage, however that was not told to me when I signed up for full coverage when they initially reviewed. I wasted a year's worth of premium money when they knew they were not going to cover my cat so for any medical claims.

Easy, quick to use and reimburse!

We had to make a claim one month after we got coverage. My puppy swallowed a large stone which required emergency surgery. Expensive bill & Embrace reimbursed us quickly! We’re so impressed with the service!

I tried trazedone one time to see if it would work for my dog’s fireworks anxiety, as many dogs have. Because it was listed in the medical records, the initial review noted that she was ‘anxious’. Other than loud noises, she is the sweetest and most calmest dog! My second year premium increased by 53% and the following year by 38%. When questioned about this, none of the reasons they offered, including blaming the state department of insurance, can justify over a 100% increase in two years! To be fair the claims process is quick and user friendly. Response times are reasonable and the staff is very professional and considerate.

It was very easy to submit my claim, now waiting to see how long before the money is sent.