Embrace | Pet Insurance Review

I adopted a pup about 3 months ago and immediately signed up for insurance through Embrace. They have already made a mistake of putting periodontal disease as a pre-existing condition which is not listed anywhere in any of his records, nor does he have this issue (as he is still just a puppy). My vet is completely confused by this, and is now having to write a letter to Embrace to try and get this fixed. So because someone at Embrace made a mistake, I'm having to go through the appeal process, and my very busy vet is having to go through the hassle of writing a letter. So far, not impressed.

We are very pleased with Embrace. My vet processes the claims for us and we immediately get a response from Embrace and reimbursement in a timely manner. Highly recommend Embrace for your pet(s).

We have 4 dogs insured with Embrace. Called to add a fifth..new to our family French Bulldog puppy. Embrace was willing to add pup to our policy but for some maddening reason would charge us a retroactive payment to align coverage enrollment date with other dogs on policy. This would have meant we were paying insurance on the new pup BEFORE he was even BORN. Unacceptable. We went with another insurer and intend to not renew existing policies. I asked.."Embrace is willing to lose 4 policies totaling more than $3k annual premiums because of a $90 charge to add an animal that wasn't even born during coverage period in question?" Sorry, sir, that's the way our system works. Too bad.

This is my second year to purchase Embrace Pet Insurance. It is underwritten by USAA, that should tell you all you need to know as far as dependability, reliability, and trust. My cat, Harry, is a klutz. Not only is he a klutz he developed allergies and licked all of the fur off his underbelly. He scratched and licked incessantly. He was miserable which made me miserable. The wonderful thing about having pet insurance is you don't hesitate to get the proper care for your pet. It's peace of mind! When Harry looks like he's not feeling well or I suspect he's gotten into something I have no hesitation taking him to the doctor knowing full well that Embrace Pet Insurance will reimburse my claim. And the process couldn't be easier . Simply take a photograph of the bill, upload it to their claim website and you'll receive an email from them confirming they received it and are reviewing it, then you will get another email saying it's covered. They have never not covered a bill or claim in the two years I have been with them. You can select the percentage of coverage that fits best into your budget and you can also select to have Wellness care which covers yearly vaccinations, teeth cleanings, and office visits. Like I said, it is peace of mind knowing you can care for the animal that depends on you for its care.

Unfortunately our 20 month old got meningitis requiring ICU and hospitalization for a week. Use your imagination about the invoice, fortunately we had Embrace and had a check in less than two weeks that covered half the bill. It covered half because that was the policy I had selected, no questioned asked, simply paid their full share. I am grateful to have them. Thank you Chanel!!!