Embrace | Pet Insurance Review

You purchase insurance for the unexpected. The times you can’t predict & the unfathomable expenses that come with them. Whether you go to a breeder or a shelter to find your spirit animal, you know that on average what you’re adopting will pass before you. The breed will come with sickness, accidents, routine care, & more. If you’re an animal lover like me you understood this before you signed on to be a caregiver of a such a beautiful spirit, one of God’s creatures. I paid for insurance for my baby for close to 8 years. She had the top of the line package with $30K maximum life, 10% co-pay, & annual coverage of $435 for dental & routine cosmetic care. This cost $135 month. Those who understand how insurance works know the beginning pays for the end, & that’s when you need it most. It’s also the most humane way to share existence with your animal, no different than yourself. Would you ditch your healthcare for a gun to the head because you got hurt? Why should the one you love be any different? Obviously there are exceptions to this, I understand that, but one of the nicest things my mother, another animal lover like me, said in the end was, “you did everything you could do, & that’s more than the majority of pet owners out there.” Crying on the phone that sentiment brought me peace. In under four months I watched $20K vanish from my account & I don’t regret a penny of it. The folks at @embracepetins were the most empathetic team I could have imagined. Yes, I’m talking about an insurance company. They pre-authorized $9K in 45 minutes in the ER for an MRI. Humans can’t do that! To me, my baby should have the same level of care as I do. Before you say economics, I kept her coverage active through multiple tours of unemployment income. That’s not easy. I cut meals, stoped driving, & more just to make sure she was safe. Right now I feel guilty looking at another animal breed online. If I went to a shelter I’d take all of the cats. I’ll own again one day, & Embrace earned a customer for life. After I pass too, because my will is going to require insurance for the animal if they want my shit. You may not agree with these beliefs, that’s ok, we are not dating. ✝️🇺🇸😿

The ease of submitting my claim and speed at which it was approved and paid. Didn't know what to expect this beinng my first claim, but it progressed flawlessly!

We got Embrace for our dog as pet insurance. It was difficult to contact them for account changes and it took a long time for our claims to get processed and denied. My husband and I both tried to add me to the account several times but they never responded to our request. Every claim we requested was denied coverage because it didn’t fall into a very specific series of requirements. After we moved states, they upped the price to $300 per month (!!!) without obtaining a confirmation that we were okay paying that rate and they still denied our claims. They work very hard at reviewing records to find ways to not reimburse you. We have spent thousands of dollars for coverage with $0 reimbursed. I’m in the medical field and the logic they’ve used to deny our claims would not fly for human beings. However, they get away with it by simply not being responsive to emails and inquiries. Again, I work in the medical field and this is the worst type of insurance that I’ve had to deal with.

Easy time submitting claims. Great Customer service!

Best pet insurance company!!! Never have any issues with reimbursement!