Embrace | Pet Insurance Review

Always very prompt and caring. Never had a problem with submitted claim. From all the horror stories I hear from pet owners this is the one you should have so no headaches

When I purchased the policy the agent explained the coverages recommended for a puppy. I had two puppies at the time, that are now 2 years old. Since purchasing the policies for both my fur babies they have had sick visits and one hospital stay. I never though I would need pet insurance but I'm glad I chose Embace. I

Easy to submit claims through the website.

My pet insurance policy was misrepresented to me prior to purchase, but Embrace is telling me that they don't uphold anything said by their customer service reps. I attempted to clarify a policy detail with customer service prior to purchasing the policy and they assured me that only pre-existing conditions were not covered by the policy. The reality is that any condition which the insurance company deems related to a pre-existing condition is additionally not covered by the policy. In my case, one of my cats has Entropion, which is considered a pre-existing condition since she has had it since birth. I paid for the surgery to correct it, but now Embrace informed me that any eye conditions (for example, conjunctivitis) will not be covered at all by the policy unless the vet can clearly attribute the cause to an injury or other illness. If they cannot, they will just assume the eye condition is related to the pre-existing condition (Entropion). This is a gross misrepresentation of the policy given that I explicitly asked customer service questions to try and understand what was and was not covered, and this exclusion was not mentioned to me.

Easy reimbursement. Awesome!