Embrace | Pet Insurance Review

I love Embrace, I have been with them since 2006 so a very long time and they have done a great job. Unfortunately, this year I had a real problem with them as did my friend. We both were covered and both had exams of our puppies. In my instance, my puppy and his mother had been bitten by ants at the breeder before I picked him up. He ended up having puppy rash 2 months later and the company denied that claim because they said the ant bite made anything dermatological a pre-existing condition even though a bite is just a bite and the other is a puppy rash commonly had by puppies and the rash was 2+ months AFTER THE BITE. My vet wrote a letter advising that the bite was NOT dermatological that the puppy rash was TOTALLY UNRELATED and had NOTHING to do with the bite. The vet should be the expert and he has said the two are totally unrelated and yet the company denied my claim because their PAID BY THE COMPANY EXPERT advised they were related. The same type of scenario occurred with my friend and the Vet wrote a letter advising that the two events for her puppy were also totally unrelated to each other and yet Embrace REFUSED to cover her situation or mine. I can no longer recommend this company if they are NOT going to believe my EXPERT and PAY AN EXPERT TO GIVE A DIFFERING OPINION than my Vet who confirmed to them the two events are unrelated to each other. This is just another way for an insurance company to deny claims and not pay. I am incredibly disappointed because I have had 4 English Mastiff's covered by them and paid over $3k per year, to ensure they have proper care for 12+ years (12 years = $36,000). It is ludicrous they would deny my claim when the two events are totally unrelated and when they are saying their PAID BY THE COMPANY expert disagrees with my Vet that a bite is somehow considered a dermatological, pre-existing condition. This is wrong on every single level of fairness, justice, and ethics. I am ONLY continuing coverage because I need to make sure they are covered for other issues due to their size otherwise I would leave the company. MY PUPPY'S SITUATION WAS NOT A PREEXISTING CONDITION - MY VET IS AN EXPERT AND NOT PAID BY ME OR THEIR COMPANY TO AGREE - HIS LICENSE IS ON THE LINE AND HE WOULD NEVER LIE FOR ME. PERIOD. THE INSURANCE COMPANY ON THE OTHER HAND WHO PAYS AN EXPERT TO SIDE WITH THEM TO KEEP FROM PAYING A CLAIM, WELL................

My Great Dane had a plasmacytoma which is a cancerous tumor. My expenses were almost ten thousand dollars. I was so lucky to have this insurance which covered it. And one of their employees even emailed me to help in my decision to surgically remove part of the dog's jawbone. Great company

All my claims have been handled very professionally. Embrace also has great customer service.

I was kind of leary about pet insurance, I heard some bad stories. I decided to give Embrace Pet Insurance a try and sure enough, they stand by what they say and reimburse 100% when it comes to preventative care.

I am thankful we had pet insurance with Embrace. Our dog became sick and we had over $3000 in medical bills for her. Embrace was quick to review our claims and get us reimbursed. Their communication with both the veterinarians and our family was super.