Embrace | Pet Insurance Review

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.

My puppy had an ear infection at 8 weeks old. Now that is a pre-existing condition for everything under the sun. They pay for nothing!!!!!!!! I took my pup to a dermatologist to make sure she does not have allergies so now my status starts again for having an issue with ear infections I explained to the customer service rep. I took my pup to see if she has any allergies or yeast. Everything was clear. NO allergies or yeast. Now I was told that breaks the 1-year cycle and I have to start all over again to be clear for a year of any ear, skin, or itching issues. It's an umbrella for all issues to be not be covered. So basically, I should not take my dog for checkups..yes because Embrace is all about the love for animals..so I should not get checkups because that is saying she is sick and has allergies. They are ridiculous!!!!!!!!!!!!! waste of time and money!!!!!!!!!!!

13 years we had Embrace. Totally recommend. You never know when you need it. It has paid off. They sent cookies after she passed

Our appeal was resolved quickly and professionally.

Here’s my experience- purchased a plan for $107 a month for my 9 year old cane corso. Had my vet send Kaya’s health records so I would know everything they consider preexisting conditions. I had a feeling there would be a few things bc she’s 9, but let me tell you- they got back to me 2 weeks later telling me that they won’t cover basically ANYTHING. There were things under preexisting that the vet has never said are a problem! Embrace said she has plaque buildup yet the vet has always said she has perfect teeth and does not even need to get a cleaning. They also said that she has arthritis so any hip problems are preexisting but arthritis has never been diagnosed, in fact the vet has told us her mobility is great for her age. And they said any cancer &/or lumps will not be covered bc she has had a few (we had them all tested and none were cancer so idk how they can exclude cancer as preexisting). Also, bc I called the vet office to ask about swallowing something (she had not actually swallowed anything, it was a phone conversation) so they said that’s not covered either bc it’s on her record. Now I’ve been waiting on the phone for 30 minutes to try to cancel my plan which is also an issue bc they pick up right away to sell you a plan. Overall I do NOT recommend this company