Embrace | Pet Insurance Review

I have two dogs and both are covered by Embrace. With previous pups I’ve had other company’s coverage and after a year or two nothing is covered. Not the case with Embrace, they are fantastic. Highly recommend.

When trying to discover the source of Henry’s discomfort, I went to several different specialistsand had many diagnostics done. I communicated with Embrace about Henry’s conundrum and felt they listened to my concerns that there was no definitive diagnosis. They covered all the tests. Thank you.

Sometimes it takes a few weeks to be paid for a claim, but they've covered everything so far, so I can't complain! Very happy with this insurance and so glad I have it.

I must confess: I feel kind of stuck with Embrace. While I do love that they cover 80% of my dog's bills (after the deductible), I find that they can get SUPER nitpicky about these "pre-existing conditions." For example, I adopted a shelter dog. He had a kennel cough when I adopted him (as so many shelter dogs do). Unfortunately, he also managed to catch the canine flu during Chicago's massive outbreak. Because he had that cough when I first got him (which was prior to his Embrace coverage), Embrace refused to cover his nearly $300 bill because we couldn't get the sample at *just* the right time for it to test positive. Hid vet even talked to them and explained the situation, including how difficult it was for a test to come back positive. Aside from that, not long after he came home with me, he basically decomposed a bit & started peeing everywhere in the house (this is also a common thing that happens when a dog's living environment changes). Unfortunately, he also eventually got diagnosed with anxiety. I also managed to gain a wheelchair, so we had to move to accessible housing while he was seeing the behaviourist. Once again, he started peeing shortly after the move. We had him tested for a UTI, etc. & ultimately, it was determined to be a behavioural issue – again, something very much expected in any dog. Embrace had been fine covering my dog's anxiety meds for over a year. Then suddenly, they decided that since my dog had peed inside before his coverage began, and because it wasn't a UTI, Embrace decided to stop covering all treatment for his anxiety. So now we can't even afford a behaviourist to monitor his wellbeing. That said, they've been really great at covering all our ER visits, which has truly been a lifesaver! The claim processing is super swift and my reimbursement is usually in my bank within a week of me filing.

From the date of the application Embrace was searching for anything that they could use to come up with as many pre-existing conditions as possible. For example, my dog is prone to ear yeast infections and had had one in the last 12 months. Now anything that in any way is dermotogical in nature is pre-existing. That is overly broad, a real stretch, and just plain not right. on two occasions they have rejected claims that should be paid...yes they changed the determination and approved the charge but only after I caught them and questioned it. For this reason I give them an 8 rating but at this point, no I would not recommend them to anyone. Below they are asking for the category of your claim, I notice they separated ear problem from skin problem...well if they are separate why is any skin problem pre-existing on my dog because of an ear problem???????? Just watch Embrace real close.