Embrace | Pet Insurance Review

JUST RECENTLY ADOPTED A BERNESE MOUNTAIN PUPPY FROM A RESCUE AND DECIDED TO INVEST IN PET INSURANCE SINCE THESE GUYS DO TEND TO HAVE SOME HEALTH ISSUES IN THEIR LIVES. DID A COMPARISON WITH OTHERS AND CHOSE EMBRACE FOR OVERALL GOOD COVERAGE. THE REPRESENTATIVE I SPOKE WITH WAS KIND, PATITIENT AND ANSWERED ALL MY QUESTIONS.

Thank you for being there when I needed you Embrace! My online claims process was easy and refunded quickly. Thanks to Embrace I was able to get the life saving surgery my puppy needed. I highly recommend Embrace and my puppy and I thank you from the bottom of our hearts 💕

The representatives are very good and helpful. The telephone service is terrible. It is almost impossible to reach anyone and this really needs to be corrected

Embrace has been great and reimbursed appropriately!

I have injury/accident insurance with Embrace for both my dogs at $115/month (80% coverage & $500 deductible). My dog injured his eye. It took dozens of emails/phone calls and over a month to get Embrace the medical records they needed for a claim review (they separate each invoice into an individual review process with different claims adjusters). Embrace relies too heavily on YOU to make sure they have the records they need. What frustrates me the MOST is that even though this was 100% an injury, because my vet used an eye gel that is NOT FDA APPROVED, Embrace would not cover it. They said it would be under their wellness plan, which is effectively an HSA and not worth it. This gel was 25% of each bill I submitted to them, so even though I paid my premiums and over $700 in vet bills, Embrace reimbursed me $2.40. If I find any other loop holes (like the non FDA approved gel BS), it likely wont make any financial sense to keep paying these premiums. Just FYI.