Embrace | Pet Insurance Review

It’s nice knowing that your Other other child in the fam has health coverage. Especially living out in the country an all. Mighty pleased with this company so far. Nothing bad had happened I hope it stays that way as well, and customer service is super relaxed an chill.

I can't say enough how thankful I am for Embrace. Our dog passed away a couple weeks ago. We've had insurance with them pretty much since we adopted him about 10 years ago. He has had some issues here and there, and Embrace has always been prompt and clear in providing coverage, explaining what they covered and why, etc. The staff has always been great about responding to questions I have. The most impressive thing to me, is when our dog passed away, the staff was SO KIND to us. Losing a dog is losing your best friend, so things haven't been easy, but the staff sent us a hand written condolences card, they made a donation in our dog's name in memory of him, and in every correspondence they have been so kind and respectful. The end of a pet's life can also be filled with a lot of medical bills, so having Embrace has been so helpful to us financially at this time. If we ever decide to get another pet, we will be going with Embrace. Thank you all~

Embrace Pet insurance truly cared about the health of our amazing dog, Pepper. They were truly compassionate while speaking with us over the phone and helped us each step of the way.

This is the fourth different pet insurance company I have been with over the years, for different pets and in different states. Embrace is by far the easiest to use. The patient portal is very intuitive. And they also have been the easiest to communicate with by FAR. Any and all questions get a personal and detailed response. Their rather broad interpretation of what constitutes a "previously existing condition" is disappointing. But they were very up front about it, and sent a detailed explanation of what would be excluded in advance (with opportunity to appeal for further review). There have been no hidden "surprises" like too many other insurers spring on pet owners. On the whole, I'm glad we are with them.

I've had a few larger claims and I've had issues where they say they need more information. The first time they said the medication didn't explain the reason I brought the dog in, even though the form clearly stated she was there for 2 issues. Now they won't fill a second claim for a tumor removal and I have emailed asking to tell me why and I don't get specifics. Additionally they keep saying they have tried to contact both me and my vets office without success, but I have received zero emails or calls regarding the claim and my vet's office also did not receive anything. This is after I have submitted all the paperwork and receipt from the vets office and the claim form with notes from the vet. I have asked them to contact my vet directly at his email and to cc me as well, but then i just get the same generic email that they have attempted to reach the vet unsuccessfully. It makes it very difficult to trust the company.