Embrace | Pet Insurance Review

I left a 10 Star review in 2015 & I wanted to follow up to let people know of my positive experience with this company. This will be a long review so if you don't want to read it all, here is the Short Version: Embrace does what they say they will do. You need to read your policy (several times) and truly understand the Terms and Conditions. I honestly believe that all the negative reviews are because the policyholders do not understand the pre-existing rules, specifically in regards to the temporary pre-existing exclusion guidelines. Long Version: I bought a policy for my 8yo DLH in 2014. After the 2 week waiting period, I immediately requested a Medical History Review. The results from Embrace were that my cat had a temporary pre-existing condition of enteritis. (He had an undiagnosed case of diarrhea a few weeks before I purchased the policy.) They explained that as long as he did not show any signs or symptoms of diarrhea for 12 months, the exclusion would expire and my cat would be covered for all illnesses and accidents during the life of the policy. Malibu was healthy and showed no signs of illness for 3 years. In March 2018 (almost 4 years into my policy, he was suddenly lethargic & lost his appetite. I brought him to the vet who sent me to a specialist, where he was eventually diagnosed with Large Cell Lymphoma (an aggressive form of cancer). We tried giving him medication & appetite stimulants to get him in better health so we could start chemotherapy. He unfortunately deteriorated too quickly and I had to make the sad decision to put him to sleep a few days later. I filed my first ILLNESS claim & Embrace covered every single thing, including the exam fees, diagnostic testing, bloodwork, the biopsy, radiograph, medication and even his euthansia (minus the deductible & copay, of course). They procesed all of my claims quickly & without heartache. I would (and do) absolutely recommend this insurance company to everyone I can. I'm still so sad about losing my baby but I am getting another kitten later on this month and I will be purchasing a new policy for him with Embrace as soon as he comes home.

Embrace is a wonderful company! The people are very kind and caring. It is fast and easy to submit claims.

Can’t say enough about Embrace. Everyone with a fur baby should have it. Easy to file a claim and quick payment. I could not be happier with my entire experience with Embrace.

I have Embrace Pet Insurance since 2009 for both my Golden Retrievers. I switched from another pet insurance because filling out a claim form or receiving reimbursement on covered medical expenses became extremely difficult. I switched both my pets to Embrace and have been extremely pleased. Now when I have to file a claim it is fast and easy. There is constant communication between the Embrace claim staff and myself. Reimbursement is timely, covered medical expenses are paid quickly. I honestly am so pleased and highly recommend Embrace to anyone who has a pet.

Embrace has been great so far. Although many conditions have been excluded as pre-existing, we are still benefiting greatly from this insurance. I am grateful.