Embrace | Pet Insurance Review

Although we have just started exploring options with them, STEPHANIE was great and explained everything carefully, even things that had not occurred to us yet. This was NOT some call center overseas, but an obviously solid company that cares about the customers and is a USAA affiliate. THAT alone spoke volumes. We wil be signing up with them when we bring " Missy " home in early August. Gary S. Mid Atlantic Coast

Never had to use pet insurance however our mini dachshund broke her back leg and needed surgery. The bill was over 8000 but with our insurance 80% was covered. The claim was processed quickly and paid very promptly. Would recommend Embrace for your pets . Well worth the money.

Process was easy

The claims process was simple and easy with Embrace so it didn’t add stress on top of losing our dog.

I purchased a policy for my 12 year old dog. I submitted a claim after the two week waiting period. The claim was to test for Cushing's disease. My dog had NEVER been diagnosed or even suggested by a vet that she had this prior to this. After 45 days of waiting I received an email from the adjuster saying my dog would not be covered for Cushing's because she had symptoms prior to the waiting period. I purchased the policy a the end of Feb 2022. Waiting period was over by first week of March 2022. They combed through all of my dog's medical history looking for a way to link something to her current diagnosis. The adjuster referred lab work from April 2021 where my dog's liver enzymes were SLIGHTLY elevated and said 'We cannot rule out that this is related to Cushing's Disease'. Let me repeat that no vet EVER said to me that this elevated lab value could be related to Cushing's Disease. As a matter of fact the Vet was treating my dog from a recent gall bladder removal surgery which can affect liver values. This company is a rip off. They will try to find any lab value that can support their claim to deny your claim. Don't buy insurance from them unless your dog has NO LAB WORK on file ANYWHERE or you have a puppy. They get paid to find a way to deny your claim while still collecting your premium.