Embrace | Pet Insurance Review

I've had nothing but great experiences working with Embrace. I love their app and how easy it is to submit a claim and track it. Claims are reviewed and refunded within a few days. I've only 2 coverage disputes in the 4 years I've had embrace, and both times the source of the dispute was understable from Embrace's side. One required a phone call to resolve but I was able to get someone on the phone quickly and easily, they were super great to speak with, and the matter was quickly resolved. The other dispute was able to be resolved by a couple messages on the app, and again the person I messaged with was super kind and quick to respond, and the dispute was quickly resolved. All other claims (unfortunately there have been quite a few with my older pup!) we're processed and paid out seamlessly. Highly recommend embrace and will definitely insure all future pets from day 1 with Embrace!

I (and my female cat)are experiencing an expensive but necessary medical problem that has already cost thousands and will still involve surgery in order to remedy her rare problem. I am so thankful to have Embrace’s support through this ordeal. I was considering canceling my insurance when I was abruptly hit with all this! So glad I didn’t!

Embrace has covered all of Simon’s needs for several years now. As he gets older it’s nice to know they have our back and genuinely care.

I have had Embrace only a few short months and really put them through their paces with lots of questions before I signed up, all of which were answered both timely and completely by their representative responding over email. That gave me confidence that they were a company that put their insured pups, so on, first. However, following my pup’s initial exam our vet disclosed to Embrace the discovery of a typical (e.g. associated with pups) mass on the top of her head, a histiocytoma, which they explained would exclude her from being covered for all cancers in the future. I was aghast at that prospect and was on the verge of dropping Embrace totally. Until they let me know and then allowed our vet to write an appeal letter for the mass to explain further that in her opinion it was not cancer when she first evaluated it and would not turn into cancer in the future and, in fact, four weeks later it had resolved itself completely. Approximately one week later Embrace came back with some modification on future masses where they would no longer treat/equate future histiocytomas with masses later identified as cancer So while our pups’ future histiocytomas would be treated as pre-existing, they would no longer exclude any future masses, cancerous or otherwise, from being covered by our policy. To be sure this was a relief. So, a mixed score for my relationship with Embrace so far that is, as they were quick to judge the type of skin mass they would not cover in the future (somehow equating it with cancer, where there had been no such proof of this at all), yet just as quick to take up my appeal and grant some relief, modification of our coverage and a detailed explanation of how and why to accompany their decision back to me. So, take from that what you will but know it is better to have some kind of pet insurance, for sure, than none.

With a new puppy and a cat that spars with the neighborhood heavyweight, I am so glad that I got Embrace. The wife was skeptical at the start but has been won over. In less than a year it has proven its worth several times over. Whether it is the pound of dough that the dog counter surfed out of the kitchen, or the bloodied face and stitches my Rocky cat going after Apollo Creed, Embrace has stood by me and quickly resolved my pets needs and reimbursed me in a timely fashion. The app has made it a very easy thing to accomplish and I have become very good at using it in the 8 months I have had it for my pets. Thanks for your hard work and help. You guys are great.