Embrace | Pet Insurance Review

New kitten that was fully covered for all of his health issues including nose and allergies until he was just over a yr. old and needed sinus surgery which cost $3,500. Once that claim was filed, suddenly it was a pre-existing condition. Embrace says that because the vet noted my cat had a dry nose during his "kitten" exam that anything with the nose is pre-existing. Event though the vet wrote a letter to Embrace saying the dry nose had nothing to do with the internal sinus cavities. This company is a fraud!!! Run away from them don't buy a policy. Also, pet insurance is unregulated, Embrace may do and decide as they want. Scam!

Claim form was easy to print at my local vet and complete before I even left that day (recommend you be proactive with the vet clinic and get everything in order, most vet clinics will fax the claim forms with no fee). Customer service was excellent and helpful. Within 7 days of the vet visit I had the claim resolved and the payment sent to me. Really happy with how easy everything was.

Excellent customer service, and the managed to cover my expenses fully after the deductible.

It is not very surprising that after you have sign in with them and make your first claim, they deny your prescription because you are not cover by it. What is good a Policy if your bring your pet to your Vet and prescriptions are not included????

I want to thank Xena and Darcy with their help on my cat Puck's policy. We rescued/adopted Puck from family and he had issues. Due to my ignorance to e-mails I almost lost his coverage. I do believe this company does care about the pets AND the owners of their pets. I cann't say enough how happy I am with their service and feel that Puck will have a long happy life!!! Thank you Darcy and Xena. You truely made my day!!!