Embrace | Pet Insurance Review

For most dogs, Embrace insurance is only worth getting when your puppy is weeks old. "Chronic" and "pre-existing" conditions are only covered if there are not any, ANY, previously documented vet visits before you first purchase the policy. Additionally, and again with most dogs, with such high annual deductibles you're better off putting away $50 a month for your pet for emergencies and letting that savings grow each month. Otherwise, customer service is prompt and courteous and submitting claims is easy.

Great coverage and a wonderful customer service. Quick reimbursements. I ve had Embrace for almost 10years, for all my 4 kitties. Its been a life saver, because 2 of them battled serious illnesses : cancer and kidney failure. Without insurance we could not have afforded the medical treatment. I am so grateful for Embrace. One of the best decisions of my life was to get the insurance through them. Without any hesitation I am recommending it to all pet parents.

I switched over to embrace for my dog earlier this year and was impressed with the customer service and helpfulness of the staff. I submitted a claim and was denied reimbursement because it wasn’t covered under my policy which I completely understand. I then a few months later submitted two claims for an emergency vet visit for eating grapes and a visit with his vet for itchiness and wound received from scratching. I have not received a decision on these claims yet and have spoken to customer service a couple of times with the standard reply we are reviewing all the medical info. The claims were held up for the request to the vets for my dogs medical records to be sent which was reasonable delay but know it’s just ridiculous. Though the seem to have know problem getting the payment taken out, if I delayed the payment as long I would be cancelled. Once this is resolved if ever will be considering a new company.

I have been with Embrace since 2016 when I decided to get pet insurance for my two cats. I have found it very easy to file claims and I receive a response regarding my claims promptly. All of the information about what is covered and how to file is easy to access. Prices are reasonable. I would recommend Embrace to anyone looking for insurance for their pets.

I have had Embrace pet insurance on my dog for 5 years with no claims. Sadly, we recently found a lump that turned out to be a thyroid tumor. My claims for the CT scan and Surgery we’re paid very quickly. I’d write more and with more eloquence but I’m struggling thinking about my beautiful pup being ill.