Embrace | Pet Insurance Review

So far, we have used Embrace for only wellness visits. After 2 years, we know that our claims will be handled promptly, with reimbursement checks arriving within a week. The online claim formatting is easy to follow.

I’m learning the hard way that this is the pet insurance company that I should have bypassed for another. They were promoted, or affiliated with USAA which has all of my insurance policies, so I went with them. This is your typical “first option is to deny” insurance companies that they are so famous for. We had to take our French Bulldog to an emergency vet because he vomited and inhaled some of it and could have caused pneumonia. Our dog has a pre-existing condition for “noisy breathing” whatever that is? He’s a frenchie, they snort. Otherwise he’s a healthy dog. However, since aspirating some of his vomit affected his lungs (not sure how that wouldn’t) they denied our illness claim. So since an illness touched his lungs, it’s not covered even though his breathing didn’t cause the illness. Hypothetically, If a large dog bit my dog in the chest and punctured one of his lungs, I’m pretty sure Embrace would deny that claim, as they would claim that his “noisy breathing” played a roll in that injury. I am beside myself and will be shopping for insurance with another company.

Processing the claim was fast and easy.

The online features for filing claims makes it so easy. I have only had to use for wellness and dental until recently when my Havanese fell and damaged her spinal cord. Thankfully just bruised and hopefully will get a 90% recovery.

Excellent service. No problems whatsoever. Thank you ❤️