Embrace | Pet Insurance Review

With our previous dog, we had gotten pet insurance with a well known national company...and other than routine wellness claims (which went to a deductible), they repeatedly used loopholes and exclusions to deny claims (e.g. a follow up visit for a drug reaction that had caused liver toxicity became "a pre-existing condition"?). When we got a new dog, I asked our vets' front office staff (one in FL and one in NC) which insurance company THEY thought was easiest to work with and had the best coverage. They both said "EMBRACE". We bought a policy from them for our new Lab puppy and all Wellness claims went through easily. This was then followed by 2 events of eating weird things (first at age 1, and recently at age 3+.) Despite having to go to 3 different vet hospitals within 36 hours in order to avoid surgery for a foreign object, Embrace sorted it all out and covered their 80% with no hassle. They processed it all clearly and seamlessly. SO much better that the other company!!!!

Absolutely love embrace and feel good about choosing them to insure my pets

All of our dogs are insured by Embrace. One of our dogs recently got pneumonia and Embrace was great in covering her vet bills. Thank you Embrace for processing our claim quickly!

Unfortunately I had two Labradors that both passed from cancer. And brace was wonderful during their illnesses. They're kind, compassionate, and easy to work with. Their prices are fair. the claims process can be a little frustrating but they got to do what they got to do to make sure everything's legit. I would recommend them to everyone.

As our Standard Poodle aged, we were concerned that he was vulnerable to an injury such as an ACL tear that could be a significant cost. He was in good health. After reviewing pet insurance, we chose Embrace due to (1) cost (2) the ability to waive an orthopedic waiting period and (3) customization of coverage. Just over a year after purchasing our policy, Axel became very ill with pneumonia (unexpected). There were multiple ER visits and a continuing recovering period to regain weight. We have the peace of mind that we could provide the medically necessary care that Axel has needed to recover knowing that our expenses would be covered according to our coverage. I highly recommend pet insurance, and my vet concurs that Embrace has been a great company to work with.