Embrace | Pet Insurance Review

It is a huge relief that I can have life saving services done for my Aussie, Ty, without worrying about how to pay for it. His prognosis following surgery is good and I am looking forward to many more years of fun with him! I am so thankful to have Embrace insurance.

customer service is always friendly, knowledgeable & prompt, my insurance should be so easy!

There was some confusion regarding a couple of claims. I spoke with a rep who was extremely friendly, kind, thoughtful, and professional. She handled everything graciously and put me at ease. One claim has already been resolved and I feel confident that the other will as well. It's a comfort to know that we have no worries with our Embrace Insurance and can completely focus on our sweet little Maddie's care. Thank you! You're the best....

I have been with Embrace for four years now, and I am finding for one excuse or another they will not honor my claims for either of my dogs. 1. When I got the insurance for both dogs, I got the sense from reviews that Embrace was one of the best. It is standard procedure for any insurance company to look at the vet's records at the time the policy is first started to see if there are any preexisting conditions, as well as to have a month waiting period before you can file claims. My min pin Duke was initially declared to Embrace to only have an orthopedic condition. During my month wait, I had to take Duke once for a skin infection and again later in the month for an ear infection. I paid for both. During that waiting period, Embrace called my vet for the records for that month, saw my two visits and reasons, and then claimed both of those infections for Duke as preexisting conditions (I didn't even know until today that they would not cover ear infections). The company said if I made no skin infection claims for a year that skin infections would be taken off the policy as a preexisting condition. I paid the vet bill for a year the times he had skin infections to eliminate the restriction. What I didn't know was that Embrace calls into vet centers regularly to get updates on even the unclaimed services the vet provides. So to this day, I am not covered with Duke for two conditions he needs sometimes. 2. My other dog Joshua, a boxer, just passed away in July from cancer. His bill was very high at the vet, so I called Embrace shortly after he passed to make sure I could still get coverage so I could "roll" the money I get back from Embrace to help pay his entire bill. I just found out in call I placed a half-hour ago that Embrace only covers claims for two months after a dog or cat dies. Why wasn't I told this in July? Consequently, I am stuck with a still high medical bill for Joshua. All because of the need to be cost-effective, after thousands of dollars spent for four years on the two dogs, my Embrace policies are little good to me now. I have cancelled Duke's policy. Perhaps all of this is in the fine writing in the insurance policy, but many Embrace clients suffer like me from poor communication from the company. When shopping for pet insurance, please keep my problems in mind.

My 3-year-old Papillon came down with an acute case of protein-losing enteropathy, although his symptoms were so complicated it took over a week for the vets to arrive at that diagnosis. During that single week, we visited our normal vet, an emergency vet, and an internist for a total of 6 visits. Each visit required extensive diagnostics procedures and testing to rule out potential diagnoses, and the bills quickly added up to thousands and thousands of dollars. The anxiety over how to pay for those bills was overwhelming since I'm currently the sole income earner in my household. Thank goodness for Embrace! With my plan, I have been reimbursed for 90% of those bills, excluding the deductible. Customer service has been great. Very very grateful that my dogs have been on this insurance since they were 6-months old because emergencies happen!