Embrace | Pet Insurance Review

We use Embrace for our cats. It has covered our older cat that had hyperthyroidism well, but beware of previous conditions. They have “temporary exclusions” which they say will go away after a year, but they have refused coverage on these conditions even after the temporary exclusion has expired. This has been the case with elevated liver enzymes, conjunctivitis, and upper respiratory infections for both my older cat and my two one year old cats. This might be the norm in the industry, but I find their advertising of “temporary exclusions” underhanded and dishonest.

First, let me start by stating that I have had a TERRIBLE time with Embrace. My dog Otter was diagnosed with neck pain, and the two claims were denied because he was in his orthopedic waiting period. When my vet appealed, they were still denied, because it might be orthopedic. When he was taken to a neurologist (claim #3 - for the same issue, now to a specialist), and they found meningeal enhancement (and even performed a spinal tap to determine the cause), they denied the claim - why? Pre-existing condition - of a neurological issue that might be orthopedic (but is clearly not). How do I know? Because I have a PhD from the UGA College of Veterinary Medicine, and I reviewed meningeal enhancement (the diagnosis), which is undoubtedly a neurological issue. The neurologist even wrote that there was no orthopedic involvement in the notes! How does a neurological issue of meningeal enhancement that starts four months after the policy started become "Anxiety and Abnormal Behavior" to the claims adjuster, which are conveniently not covered? Otter is doing better now after a course of prednisone, many thanks to the neurologist that treated him and absolutely no thanks to Embrace.

My lab will be 13 yrs old this month…. She has survived 2 major surgeries and a number of different illnesses through the years! Embrace Insurance has been there for everything.,… and their customer service is always reachable and very helpful… I will never be without Embrace for my animals!

I’ve had a policy with embrace for over 8 years and now it’s almost $4000 a year. They up it 30% every year as soon as your pet has the slightest issue. They play on the “pre-existing conditions” to trap people as dogs get older. Please go elsewhere, the customer service are lovely but very unaware of the company they work for.

I am very pleased with how quick and easy the claims process has been. Our 7 year old Aussie pup is overall a very healthy, playful, active girl, so it's obvious when she isn't feeling well and, as her only people in the world, we feel compelled to do everything that we can to ensure that she gets the care she needs. It has been so wonderful knowing that we have Embrace on our side. The claims process is so simple - upload a copy of the vet bills online - and the responses come within a day or so. Claims reps have been friendly and diligent and really take the dread out of having to deal with insurance so that we can focus on taking care of our furbaby.