Embrace | Pet Insurance Review

Once you get past all the things the insurance does not cover and the deductible, the insurance is not bad. We adopted a 9 year old dog with a few health issues. While he was new to us, Embrace would not cover anything preexisting. As a result his two knee surgeries were not covered. Once I got past the $500 deductible for things that were covered, we started to get some money back. The vet filed the paperwork and we were sent a check. That part was easy. I did not find any insurance that would cover a pre-existing condition. I just wish that insurance would start with the health of the animal on the day the insurance policy begins.

Our 6 year old Norwegian Elkhound was in terrible pain, crying and moaning. We took him to the Pet Emergency clinic and they examined him along with x-rays but couldn’t find what was wrong. They gave him some pain and ligament pills. The next morning we were back at the emergency clinic for a full battery of tests and they finally found he had pancreatitis. This was a terrible and scary experience. The only positive part of this experience was how prompt Embrace’s response was and how quickly they reimbursed us. We are very impressed with our Embrace coverage and would recommend it.

My dog was diagnosed with grade 2 cancer in her mammary tract. Embrace has been with me every step of the way from x-rays, surgery, biopsy, diagnosis and the oncologist's assessment and recommendations for treatment. Embrace representatives have responded with respect and caring to my questions and concerns. Processing and payment of claims has been prompt. I would highly recommend Embrace to anyone buying pet insurance.

Bought insurance when our now 9yr old cavachon was a puppy. Never had to use it until she tore her ACL and required TPLO surgery. Embrace has been WONDERFUL to work with and claims are effortless. And...both our vet and the hospital that did her surgery said Embrace is a great company! I'm recommending them to everyone!

We adopted our Boston Terrier at middle age. Within the first few months, we got Embrace insurance for her. A few months after acquiring the insurance, she was diagnosed with anemia and Gastrointestinal disease. Embrace insurance has covered all of her claims, and they have had rapid turnaround time in reviewing her claims and reimbursing us. Having Embrace's excellent customer service and response time has made dealing with our dog's illness easier and less stressful. Embrace also had no problem with us taking our dog to be evaluated by three different veterinarians to ensure she was getting the best possible diagnosis and treatment.