Embrace | Pet Insurance Review

So far, things have gone good with Embrace. I adopted a shelter kitty and she arrived with some dermatitis and sneezing. They did put a temporary year hold on any medical reimbursements for these items, as pre-existing conditions. Not an issue for me as both cleared up quickly this some basic care. And no reimbursement ever pertaining the kink in her tail...but that's cosmetics so who cares! Where I have appreciated Embrace is my little Willow episodes of mouth breathing/panting and that is not normal for cats. X-rays (covered by Embraced per my insurance coverage choices) showed clear lungs (yeah, no signs of asthma!) but where not conclusive on her heart. They covered the echocardiogram and had my claim processed in under a week. It frightening when you have a young cat--just a year old--having indications of abnormalities and within the first six month of my insurance coverage. But Willow is doing great and I'm optimistic I will not be making another claim for many, many year!

Very easy to use. Usually receive payment within 2weeks.

I took my dog in for her annual checkup. I submitted a wellness claim on Wednesday. 100% of the amount was covered, and th claim was approved on Monday. You just can't ask for any more.

My experience with Embrace has been nothing but frustration up until this point. They have denied every claim that is for any substantial amount of money and indicate it is all not covered because of pre-existing conditions, when in fact, surgery needed to be done to determine what the real issue was. They don't care and seem to be classifying EVERYTHING as a bladder infection! I am currently in an appeal with them, but I am not optimistic. Buyer beware, if you take your pet in for a wellness check, pray they do not find any type of infection within the first 2 weeks or Embrace with NOT cover ANY subsequent treatments!!

Lets start by simply saying, Horrible, just horrible. They offer pet insurance but do not cover Leg Injuries for the 1st 6 months of your 12 month policy. Really Leg injuries, The most common injury for a dog period! The customer service agents read from a script so directly that they sound automated. Never in my worst fears would I have thought that when my dog got hurt that the insurance company would be the Biggest cause of stress for me and not how to pay for the surgery for the injury. Would not recommend to my worst enemy!!