Embrace | Pet Insurance Review

A true life saver. Coverage is great, policies are easy to understand . Never had a surprise with the claims. Easy to submit the claims, very short processing time and payment. Their customer services is very helpful and super nice. Having 2 kitties dealing with serious illnesses having Embrace saved their lives. It gave me the access to the best medical treatments available I would highly recommend it to any pet parent. Enroll them at the very young age.It will pay off down the road.

I signed up for Embrace for my puppy and my one-year-old cat two months ago, like any person not expecting anything to happen but wanting to be prepared. Then one night I found my cat limping with a broken leg and from there I had three days of vet appointments, ER visits, and finally a $4,000 surgery to amputate his leg. I had to max my credit card and use all of my savings to front the total $5,000 in medical care he required, and I didn't hesitate for a moment because I knew that Embrace would take care of us. As this was my first claim with Embrace, I called their customer service numerous times with questions, both complex and simple, and each time I was treated with the utmost care and kindness, not to mention empathy towards my cat. The vet office sent in my claim and two days later I received an email that the medical costs were covered and a reimbursement check was on it's way. Embrace takes making difficult decisions based on cost out of the equation, and lets you focus on what is best for you and your pet. No one should ever have to make the choice of potentially putting down their beloved pet because of financial reasons, and with Embrace I will never have to. I can honestly say that getting Embrace pet insurance was the best decision I could have made for my little family.

Embrace is everything we need in pet insurance. This wellness claim was for meds but whenever we have a claim of any kind or a question the response by Embrace is immediate. The staff is also super helpful.

Embrace is the best! Very understanding and everyone I speak to explains everything very thoroughly, never a problem. Pays claims promptly!! Very important. Keep up the good work you guys and girls!!

They will do anything not to pay a claim. I took the insurance for emergency services, then, when my dog had an emergency, due to a hurt let - they would not cover the exam at the emergency vet. My dog was healthy and had no prior orthopedic claims, but because it was TWO DAYS from the end of the orthopedic wait period, the insurance would not cover the claim. And now, the injury is labeled as a pre-existing condition and no additional treatment (needed xrays, etc...) will not be covered. Completely unfair, as they will check the 6 month records before covering any orthopedic claims anyway. And, how was I to know it would be labeled as orthopedic coverage - as it was an emergency and I didn't know what was wrong.