Embrace | Pet Insurance Review

We adopted a dog in February, 2021. Since he was transported from down South with a van full of dogs, he developed kennel cough that needed to be treated shortly after he arrived. He fully recovered from that with antibiotics. That was the start of our issues with Embrace. He developed another cough, with no close contact with other dogs, several months later. This was determined to be a "pre-existing condition", apparently simply because it was respiratory, and even though the earlier cough had completely cleared up and he had been healthy for months. Our most recent interaction with Embrace was the topper. He was diagnosed with heartworm, and you guessed it, the claim was rejected as a pre-existing condition, even though I see no connection between respiratory infections that have been cured and newly-diagnosed heartworm, and neither does out vet. Apparently, everything is now a pre-existing condition in Embrace's eyes. I don't see what the point is in pet insurance if nothing, even things that are seemingly unrelated, aren't covered. It may make more sense to cancel the policy, save the premiums, and pay out of pocket, since that's what we're doing anyway.

The application process is quick and easy.

I’ve had Embrace for many years now. I give credit for Embrace for saving the lives of my animals. Things happen and Embrace has been there with quick reactions for payments to my Vets.

The whole process was easy and I understood the policy before I purchased it.

This was my first time shopping around for dog insurance, geico actually told me about them. They made the process super easy to understand and broke down the whole process. I enrolled 2 dogs for health insurance. I definitely recommend this company to anyone looking.