Embrace | Pet Insurance Review

I decided to insure my dog with Embrace Pet Insurance after reading many reviews on this site. I am so glad I did!! My lab is 2 years old and fell down our hardwood stairs and tore his CCL in his knee. I took him to the vet right away and was told to go see an Orthopedic surgeon because he most likely needed a TPLO procedure done. I didn't have time to submit a pre-authorization form for the surgery ($3500) but sent all the paper work in hoping that it would get covered. We are exactly 1 week from surgery and my claim was paid in full- check is on the way. WOW. AND when I called to talk to them last week about his procedure the first thing the lady asked me on the phone was if I was OK. She was more concerned about me and my dog than dollars and cents. Do yourself a favor and check Embrace out. Call them and see for yourself. Their customer service is top notch.

My cat's wellness claims are always processed and paid out quickly. Thanks you!

I took my dog in for his annual checkup, which I thought was covered. The exam was before the annual renewal of his policy. Ensure sent an email confirming that the visit was covered. I did not receive reimbursement for the claim, and inquired as to why. They said it is "covered, but you have maxed out the well check reimbursement for the year of your pet's policy." I realize as a former insurance defense attorney that there is a difference between "insured" and "covered". Their marketing is misleading and their language is imprecise.

The agent I worked with was very helpful and took me through the steps to submit a claim. I received compensation within a reasonable time. Very pleased with the service.

Embrace has been wonderful. Not having pet insurance is not a good idea. Im so glad I have Embrace. It has helped me out with all three of my dogs but mostly Sadie. I am pleased with Embrace.