Embrace | Pet Insurance Review

My first real interaction. I purchased the policy for my cats. Setting up the policy and payment method was very easy. Now that I'm using or attempting to use it, I've been met with much pushback. As well as a degree of contempt in the manner of questioning and subtle hints of we don't believe you. Maybe I'm reading too much into things or maybe not. Overall, I am not impressed.

Good Pet Ins.....easy to work with :)

So I have had Embrace pet insurance for a few months now and the setup with them was very easy but obviously I won’t know if this insurance is really good until I need to use it. Unfortunately my greyhound pup had an accident and chipped two of his teeth. I had to take him to a veterinarian who specialized in dental work and he had to go under anesthesia and they were able to repair and restore his chipped teeth. I had to pay a nearly $2000 vet bill! I quickly submitted a claim by taking a picture of my receipts and doctors S.O.A.P notes and then uploaded everything using the Embrace application on my phone. The whole process took maybe 2-3 minutes and was very easy. I was updated every step of the way and within about 3 business days I got an email stating my claim was approved! They covered practically everything less my deductible and co-pay that I signed up for. And they deposited the funds directly to my bank account. This insurance is top notch! I’ve read a few of the negative reviews and all of those people are upset because their claims were denied and it’s usually because their pet had pre existing conditions and that condition got worse so it wasn’t covered, this is something they tell you up front! That’s like having a car that you crashed then you get auto insurance for it and get upset because they won’t fix the previous damage it had! Embrace has been upfront and honest and tell you EXACTLY what is and what isn’t covered BEFORE you purchase, and if you’re unsure of what is or isn’t covered just ASK before you buy! They were very helpful in explaining everything. I would highly recommend this company!

Embrace has been a fantastic investment for our dog, Snoopy. They have provided great coverage and are super fast with processing our claims and reimbursements. Snoopy was recently diagnosed with bladder cancer and we were worried it wouldn't be covered due to a previous surgery to remove a fatty lump. We sent in an appeal letter and Embrace amended their original decision based on updated documentation showing that the cancer was not related. We were really stressed over this and Embrace provided us with a massive amount of relief. We want to do everything we can to keep Snoopy with us for as long as he wants to give us and keep him as comfortable as possible. Having Embrace and the great coverage they provide makes the financial aspect of his care not be the focus.

We had a terrible experience with this pet insurance. We bought it and paid $80+ monthly for over a year, only to find out that when we used it for the first time (the original vet bill was $700, this terrible insurance only reimbursed us $200). We ended up canceling and having to pay them a $150 fee because they had reimbursed us too much money! Embrace IS THE WORST PET INSURANCE. If you care about your pet and your wallet go with something else because this company is shit.