Embrace | Pet Insurance Review

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.

I have had Embrace Pet Insurance for two years now. They have always been there for me when I had questions about my pet care. When I needed to add my newest rescue cat, I called them to see what I needed to do. The representative walked me through the process and I was finished very quickly. I’m happy knowing that my new kitty is covered for his health and wellness and any emergencies that may arise.

Ease of filing a claim and speed of payment

this website is so easy to work with and the turn around time is fast.

This company is extremely professional and well priced. The coverage options are available for any budget and they are very knowledgeable. I would recommend them and have to everyone I know.