Embrace | Pet Insurance Review

Our Goldendoodle is 10 years old and we have had Embrace insurance all his life. He had minimal problems over the years but whenever we submitted a claim it was paid immediately within a very short time. This year when going in for what we thought was ACL surgery on his right stifle we were told after they opened him up that he had a rare cancer of the synovium and they had to close him up . At the time the vet recommended amputation. We subsequently had another opinion and then took him to Cornell for full workup. Well that was in February and it is July. He still has 4 legs. Still has the cancer but we were told it will remain confined to the knee and will not metastasize. Great news but all the doctor visits resulted in thousands of dollars and Embrace paid without question. I would recommend Embrace to anyone considering a pet.

Best coverage that I have found. They make it so easy to submit a claim and they are so fast as processing. Very friendly and professional!

The best thing I ever did was get Embrace pet insurance for my Tibetan Terrier. He was diagnosed 2 years ago with lymphoma. Still going strong thanks to the very expensive treatments he has received. Embrace pays quickly,has wonderful customer service, policies are very easy to understand. I would advise anyone to get pet insurance for their pet. You never know when you will need it.

Make sure your dog is in perfect health before buying this insurance. I mean nothing wrong. I have been with them for 3 months and after the first week had an emergency and had to take my teacup Yorkie to the emergency room. She was acting lethargic and not herself. They ran every test under the son and everything came back normal. The only test that could not be ran was a fecal because she is very very picky about what she eats and would not eat anything they gave her. I submitted my claim and it took 2 months for them to tell me it would be denied. They got hung up on the fact that for my vet the doctor and hospital are at two different locations and did not know how to pick up a phone and call or email their customer for clarification. In the end, my claim was denied because of a pre-existing issue (parasites) could not be ruled out. I then told that my dog would have to be parasites free for 12 months so basically every claim I have could be denied for the next year. Well then I would be paying for a policy I can't use. The dog was bought from the pet shop and came with parasites and in addition parasites are a normal ailment for dogs. I understand the whole pre-existing ailment clause but to have to wait 12 months for it to pass is a cop out and I rather pay out of pocket than pay another cent to a cop out policy. I will be taking my business elsewhere and before using them make sure your pet is in perfect health.

I have had an outstanding experience with Embrace. They pay very promptly and are open to reviewing claims if there is an error. The customer service can't be beat. They have been an enormous help with my 4 year old cat Lionel. He has had a skin condition since January and I couldn't have afforded treatment without Embrace.