Embrace | Pet Insurance Review

Been with Embrace since Cody was 3 months old-now almost 8 yrs. Throughout the years the site has changed, but recently it is A+++. It is easy to navigate and submit claims, check status of numerous features, etc. All my claims have been processed timely unless there was an issue that was dependent upon vet feedback. Having insurance has given me peace of mind for medical care after losing a pet where finances became an issue for continuing care.

I have had very good luck with Embrace. To be honest, my dog who is 10 years old now had probably $6,000 in issues over several years, which is why I got my other two dogs pet insurance (too many pre-existing conditions on the old guy). Embrace has paid out over $4000 for one dog in the past three years, and probably at least $10,000 on the other dog. They have paid for platelet rich plasma for one dog's shoulder and another dog's knee, a CT scan and an MRI (second dog diagnosed with Wobblers). I honestly could not have afforded all of these bills without Embrace. Thank you!!

We have been very pleased with the prompt responses to our pets medical conditions. They have been most respectful about our questions concerning pre-existing conditions. They keep us notified through the entire process of getting our refund after our Vet visits. So far, everyone vis email or on the phone have been extremely informative and considerate.

Embrace reached out to explain why the process was taking longer than expected and laid out when they would be contacting the veterinary practice again and their plan of action.

Embrace is going to go through your pets medical records with a fine tooth comb and will not cover anything that they deem to be a preexisting condition. If you have a puppy who has never been to the vet for anything other than routine care, they might be a good pet insurance company. If your pets records indicate any kind of a vet visit for anything other than routine care, it will be considered to be a pre-exisiting condition and will not be covered for different lengths of time, some forever, some for a year. If your dog hurts her leg while on a hike, it will be considered an orthopedic condition and therefore, a pre-exisiting condition.