Embrace | Pet Insurance Review

If I could give zero stars, I would. We signed up for Embrace Pet Insurance believing it would help when our dog needed medical care, instead, it’s been nothing but a nightmare. After paying over $2,500 in vet bills (for issues Embrace was supposed to help cover), they spent months ignoring my messages and emails. They kept charging us for four full months of “coverage” before finally deciding they wouldn’t cover anything. Our dog was diagnosed with a lipoma (a benign fatty tumor), and somehow, Embrace used that to exclude every single future dermatological condition, including cancer. To make matters worse, they even denied coverage for an acute ear infection, claiming it was related to the lipoma. That’s not only absurd, it’s unethical. I repeatedly emailed and called, and every time they blamed “missing documents” that our vet had already sent multiple times. It’s hard not to feel like this was all just a way to squeeze more money out of us while delaying any real response. We paid hundreds of dollars in premiums for “insurance” that did absolutely nothing. I’ve never experienced such a blatant bait-and-switch. Save yourself the stress and heartache, do not trust Embrace Pet Insurance. They took our money, refused to communicate, and left us with thousands in bills they were supposed to help with.

Great pet insurance company. The website is very easy to navigate, claims are easy to be made and you are reimbursed very quickly. You can also access information about what is covered and not covered very easily. Customer service is caring and competent. We will use Embrace in the future.

Always easy to submit a claim and claim support has been very helpful. This insurance has been very important and worth the investment!

Thanks for helping me keep my little old lady cat as healthy as possible for as long as was ethical. She needed a lot of treatment in the nearly 3 years I had her after adopting her from the shelter. I never had to truly worry about her bills because you always reimbursed me.

Embrace is the easiest and best insurance for my dog. They reimburse majority of her vet visits and I get my refund in less than a week. It is easy, affordable, and helpful- especially with the online pet support. I would highly recommend to all pet owners.