Embrace | Pet Insurance Review

Timely and great handling of our claim after our dog underwent knee surgery. Easy to use website for submitting claim.

Not many regrets in life, but using Embrace is one of them. Since my dog had a bit of food intolerance/allergy when he was little they’ve claimed anything gastrointestinal is a pre-existing condition that they won’t cover. Now faced with the prospect of stomach cancer at age 10 and Embrace won’t even consider scans as something that would qualify. Paid thousands to this company over the years and have never had a single cent back. My vet is even shocked about what they are claiming and using as an excuse.

Overall, coverage has been great. We pay over $200 a month for premium coverage for two english creme golden retrievers. I do not like how they are not very transparent about what is covered in the policy and what is NOT Covered (this part is important). I thought since we purchased the highest tier plan they offered with unlimited protection, that everything would be covered 100% and instead come to find out that it only covers 90% of MOST (not all) medical events that happen with your animals. They also will stop covering certain things if they deem a condition a "pre-existing condition" which I think is a sneaky thing that shady insurance companies do, and I expected better from Embrace. When I wanted to increase the coverage from 90% to 100% and I was willing to pay a higher premium, they said I could do that but all documented conditions on our dogs so far would NOT be covered and be considered "pre-existing" even though they are resolvable/curable conditions such as anxiety and allergies. I think Embrace is one of the better options out there compared to other pet insurances, but they definitely have significant room for improvement.

I"m a grumpy customer, but Embrace continues to be helpful in caring for my kitty, who is now 13+ . They don't require pre-certs, but my kitty was having a really expensive procedure and I was stressed, so I submitted it anyway. They approved it and while there were no guaruntees it mitigated my worry a little bit about the expense, and gave me the breathing room to focus on caring for my kitty before during and after her procedure. Thanks Enbrace, for your help in maintaining quality of life for my little one.

Embrace has been a good pet insurance company. My only issue is that I wanted to change the deductible on our policy which renews 9/4/25. Your website states that I cannot increase coverage but is reducing the deductible included in that? I find this confusing. Please let me know asap. Thank you Linda