Embrace | Pet Insurance Review

Easy to use claim procedures, good records of dates and treatments, easy access of information.

I had an inkling that vet bills were just as high as regular doctors because my daughter has spent a fortune on her cat, so i got insurance on our new dog, and in her second year se got a stomach infection and our first bill was over $600! So glad i did, !!!

The overall experience submitting a claim was very seamless and very easy.

Customer service listens and follows through when errors on their part occur. So far the only negative is that it’s sometimes difficult to talk to someone on the phone, up to two hours waiting and still not able to talk to someone

I’m not a fan. I paid it for 16 months because I didn’t have the cash available should something serious happen. But my first experience submitting claims was ridiculous. They asked for access to all of my 3 dogs medical records then listed everything that they’ve been seen for as a pre-existing condition. For example - One of my dogs had had diarrhea so they listed stomach trouble as pre-existing and said she wouldn’t be covered for future diarrhea. No, one round of diarrhea does not make a pre-existing condition. My vet agreed that just because they’d been seen for various issues in the past, those issues were treated and didn’t require ongoing care. As such, they weren’t pre-existing conditions. My vet offered to do the documentation for all 3 dogs but I didn’t bother. Between not covering routine care & then the pre-ex bs, I knew that I wouldn’t buy indefinite coverage. I purchased coverage from spring 2022-June 2023.