Embrace | Pet Insurance Review

The submission for claims is quick and easy and you get a quick response. It is absolutely wonderful that there is a company that understands the value we place on our pets and they share in that.

Our golden, Duke, has had a very healthy life. He recently was diagnosed with a mast cell tumor. I purchased health insurance for him when he was little because I never wanted to have to decide between the best care or his life in a serious situation. Embrace covered all his costs and we were responsible for our portion + his deductible, saving us approximately $3,500. It was such a relief! I put the claims in and they were approved and paid within 3 weeks of service. We recommend Embrace to all our family and friends, most of whom have switched their pet insurance or purchased it for the first time because of the good experience we have had! Thank you!

Happy to take your money, delay on claims with no communication. After weeks of waiting stated that my pet’s exam done by my former step-father who is a vet, so my policy is invalid. My dog was acquired after my mom was deceased. I am by law, not related to my former step-dad. My claims were for the maximum annual payout of 10K. Now, my dog developed autoimmune hemolytic anemia. The purpose of having such a policy would be if a relative veterinarian was concealing a chronic condition. However, IMHA, my dog’s autoimmune disorder was not such that could be concealed for months on end. It is a rapid onset life threatening illness. So of course, Embrace acted with absolute callousness and looked for small technicialities to skate their contract. Yes, I paid 23K in veterinary expenses to save my dog and just wanted reimbursement for the 10K. Was assured during signup that 10K was the max annual limit and not even given an option of more coverage.....well that was bad communication also - turns out they had 20K. So in a perfect world, I would have had 20K coverage and Embrace would not be skating the deal. I am leaving Embrace with my 5 pets and of course sharing my story. Since I come in contact with over 35 dog owners a week, you can be assured I will not recommend this company to anyone. I actually get about 2-3 new pet parents to sign up for insurance per week.... guess that 10K loss potential will come fast Embrace. We had one other claim with a Corgi pup who ate a rock, super straight forward case and again, they took 2 extra weeks to reimburse for absolutely no reason. Don’t let the nice people on the phone fool you - that is not how it goes when getting paid back from Embrace. Horrible company -horrible ethics - scheisters!

The people at Embrace are extremely caring and very fair. The times I have had personal conversations with the staff have been ver, very professional.

With vet costs escalating just like human medical costs, having an Embrace plan is a great help. Great customer service, too.