Embrace | Pet Insurance Review

We’ve had Embrace for 2 years for both of our dogs. Embrace has always provided a quick reimbursement for all qualifying claims. Whenever I have contacted someone, they are very friendly, knowledgeable and professional.

So far so good. Waiting on a claim payment over one month. However they reassure me that it will be paid asap.

Unless you begin to insure your pet from the time they are born, this insurance is useless. They consider everything you have taken your pet to vet for as a PRE-EXISTING CONDITION and do not cover. It's useless for a pet like ours that is 6yrs old. You also have no control or idea what the vet writes in the medical records and will consider that as PRE-EXISTING. Disappointed and if my claim for our last visit is not covered, I will likely cancel this insurance.

So far so good. Lilly had cornea scratch, minus deductible they paid 80%. Future visits have all been reimbursed at 80%.

I found Embrace through petinsurancequotes.com. I was torn between this provider and ASPCA, but I'm glad I chose Embrace. Having insurance with them has helped out with covering unexpected expenses for my two cats. Thankfully, I've only had to file claims a couple of times. Recently, one of my cats was having behavioral issues that I took him to the vet for, and Embrace covered nearly the whole visit (~$200)! The claim process was a little long, but the reimbursement was worth the wait. I only wish that the Wellness Rewards were a bit more affordable to cover routine expenses, but that's just something I'll need to budget for.