Embrace | Pet Insurance Review

I often see complaints on social media regarding pet insurance. Recently, complaints around skyrocketing increases in premiums without cause. I can honestly say that I haven't had that experience with Embrace. If I file a claim I'm reimbursed within a week or two at the most. Their rates are fair and their claim process is very simple.

The turnaround time on my claim was surprising and appreciated. I was unable to reach anyone by phone as the wait time was way long. I did email and the response time was very good as well. All and all, a great experience.

I made my first claim after two years of having this insurance. I received e-mail notice of claim acceptance within 1 day,and received a check within about a week. I was also informed that any dental disease claims would be denied as pre-existing (did not apply at this time) since the vet notes mentioned very mild tartar. It said that if my dog gets a dental cleaning done, that pre-existing condition will be removed. This seems ridiculous for very mild tartar, but I do appreciate the heads-up. It also said that if she ever has an orthopedic problem, it would not be covered until they got vet records from the 6 month orthopedic waiting period. Since they just got vet records for the current claim, they should review and document those now, instead of possibly requesting them 5 years from now.

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.

The Embrace policy is a total waste of money. They pay for very little or nothing at all and always have some reason for not paying. Our dog ate a stick but we were told accidents are not covered and would not be reimburse. Since when is a dog eating a stick an accident? On another occasion he jumped out of the car and sprained his shoulder. They classified it as a pre-existing condition and would not cover it. How is a sprained shoulder a preexisting condition? We will not be renewing after this policy expires.