Embrace | Pet Insurance Review

Buyer Beware!!! We got a service dog and thought that it would be helpful to get insurance for him since he does so much for me. We also got the wellness policy for him. We knew he was allergic to chicken, but soon found out that turkey was much worse when we had to pay $1,500 for an emergency vet. When we filed the claim, they paid very little of it because when he was a puppy he had worms from the breeder. They said that because he had diarrhea from the worms then it was too soon to pay a claim for his diarrhea for his allergic reaction to the turkey, even though it was a totally unrelated issue. We've had so many issues with them not paying our claims, and kicking back our wellness claims (even though they said we could buy vitamins at a pet store) because the vet needed to add more notes to their already clearly written receipt. We never received a discount for multiple pets since we added our second dog as soon as we got her a few months after my first service dog. We cancelled our policy after four years because they constantly increased the rates each year by a significant amount despite never paying a claim, and the dogs are now only four years old. They will live to be about 10-15 years old since they are Doberman Pinchers. We just got an email stating that they "inadvertently" charged us for another month of coverage even though we cancelled, along with 67 other people who also cancelled that month. They can't even keep their records straight after we dump them!

My cats have been insured with Embrace for 3 years. Unfortunately one of my cats developed lymphoma. Embrace processed every single claim in a timely manner always enclosing a detailed EOB and a personal note. My other cat Jasper without warning collapsed and it turned out he had an inoperable mass and had to be put down. The diagnostics and hospital bill was steep and Embrace quickly processed the claim and the adjuster enclosed a warm note of condolence which touched our family. A great company with fair rates.

Great company to deal with, I’ve had others but Embrace is far the best

we had a young dog diagnosed with cancer this has allowed us to cover chemo without going into debt

I did a lot of research before I purchased pet insurance for my 3 cats. I chose Embrace for several reasons. One was that you can design your own policy - how much insurance you want for each cat, how much co-pay, what % pay out, etc. I had an older cat that had never had any health problems, so got a lot less insurance for her. I had 2 new kittens so I got much more for them. Good thing I did! One of them has had nothing but problems from day one - parasites, pneumonia, chronic bronchitis, ringworm, enlarged heart, you name it. I have submitted so many claims for his care and they have been paid promptly. I would have gone bankrupt had I not had this great plan for him. The customer service has always been splendid. I highly recommend them.