Embrace | Pet Insurance Review

Sasha had to be boarded because we were going out of state, staying in a motel suite. VHA reported she was having bloody diarrhea. She had this the last time she was boarded. They gave her an antibiotic and an antidiarrheal medicine. VHA sent reports to us twice a day, plus pictures and videos. We could tell when Sasha was getting better because her tail was up. We do not take Sasha anywhere else. Embrace pet insurance promptly reimburses us for covered expenses. VHA put Sasha in ICU because it is quieter (most of the time) and calming to her. VHA ICU is staffed 24 hours a day. Boarding is only staffed 7 am to 6 pm. Embrace also reimburses us for her (special diet) food and medicines. We get our money's worth, (unfortunately) with Embrace. All of our pets i.e. family have had Embrace.

Still waiting on a decision. Plus it’s all of this red tape, things that was not told in regards to my policy. No I would not recommend this company to anyone.

Pay close attention to your claims with multiple diagnoses. Though my dog was diagnosed with Kidney disease, which they do not cover (pre-existing) they constantly deny claims for Otitis Externa, ear infection, as well as the antibiotic, Claro used to treat it. Their explanation is that she was diagnosed with Pruritis at one point, which is itchy skin (due to allergies), and treated with Cytopoint, again not covered. I requested that all of these claims be reviewed. I will update my review when I get a response.

Embrace is quick to review and respond to claims. My healthy, athletic dog ran into some bad luck this summer with a bacterial/yeast infection in his paws and ears. Treatment has included weekly trips to the vet for cleaning/medication administration. As a result, I've had to file multiple claims. Embrace has been incredibly thorough in its explanation of coverage, and the reimbursement payments have been made in a timely manner. I am completely satisfied with the company, knowing my dogs are in good hands!!

Well…I was happy with Embrace, mostly, for years. Then they said they were going to suddenly raise my premium 50%. I hadn’t made any big claims or anything…the cats are just a year older than they were last year. Well I got a policy somewhere else for slightly LESS than I’d paid Embrace even before the 50% raise. And when I called to say I was doing it, they didn’t do anything to keep me. Only if I slashed my coverage to the bone. They just let a customer go after eight years. That’s the kind of company they are, apparently.