Embrace | Pet Insurance Review

I would highly recommend this insurance to all pet owners. They are fast and efficient, and they get refund to you fast and above all they care about animals and their health. What more can I ask for.

The monthly premium is affordable compared to other insurances. However, I think they do a great job of trying to find the smallest things to deny a claim. I was told vomiting is a chronic condition for my puppy due to me calling my vet to ask a simple question in which they told me in a 3 month puppy, vomiting bile in the morning was normal and to feed him an extra meal. Now that is considered a chronic condition when my puppy wasn’t treated for anything or diagnosed.

I have 2 pet insurances (one for another pet with a pre-existing). While Embrace is less costly/mo than my other insurance, I find that they are much more tedious to file a claim. I think it doesn’t make sense to be required to provide all the info they request if they are only going to request the medical records anyway. Also my last claim was frustrating as they took a completely non-related prior finding as a reason to deny my claim. I had to have the veterinarian ultimately write a letter stating the claim was in no way related due the claim yo be paid. It seemed like such a waste of everyone’s time, when it was clearly not related. It just seems like Embrace was trying to get out of paying vs making sure they provided quality service.

I have never used pet insurance before so I did not know what to expect. I was pleasantly surprised how easy it was to file a claim. I received an email instantly letting me know the process and within a week I received confirmation of my benefits and the amount I will be reimbursed for the claim. Unfortunately my beautiful dog did not do well after the surgery and we had to put her down shortly after but it was comforting to know that we had insurance and I was able to do everything possible to save her. I am deeply grateful to Embrace.

My pup unfortunately passed recently after an emergency surgery and Embrace could not have been more compassionate, helpful and responsive. They paid my claims timely, answered all questions and offered kind words. Thank you to their team for making the whole process easy during such a difficult time.