Embrace | Pet Insurance Review

I have to submit multiple e-mails with the invoice, discounts, tax and total amounts. Every time I provide the information, I get ANOTHER e-mail from Ebrace requesting the information.

This pet insurance has made every aftermath of stressful visits so easy. Customer service is absolutely amazing and were so incredibly nice on the phone and super helpful. I'm so glad I went with this insurance and have stayed with them since my pet was a puppy. They make submitting claims and explanation of benefits super simple and easy to understand!

Only kept insurance for 4 months because of pre-existing exclusions for a 10yo dog, but customer service experience was good.

I only had pet insurance for a short period on a previous Golden Retriever. I did not think based on prior Golden Retriever’s past history that it was necessary. For some reason on my current (3rd Golden) I decided to get it as a pup. I chose Embrace because I like the various deductible, coinsurance, yearly maximum and also the wellness option. First two years, I only used the wellness benefit. The process to file a claim and get reimbursed was easy and payment fast. Unfortunately, I just had to experience the medical part of plan. Again, efficient! Very glad I chose to get insurance and with Embrace. I am crossing my fingers I will only have to use wellness option in future.

I’ve had a policy since Dec 2022 and will not renew. Today, 7/3/23, was the first time a claim was approved and , of course, it went to my deductible. My dog was denied for a pre-existing heart condition that was due to a vet saying, during an exam, “I think I hear an irregular heart beat”. The vet followed up with a heart exam (ekg, echo,etc) and said there was nothing wrong with her heart. But Embrace declared a permanent denial of this “so called preexisting condition”. I made a mistake and took her to the vet one day before the policy effective date. Therefore, everything discussed during that visit, ears, eyes, etc. is now a preexisting condition.