Embrace | Pet Insurance Review

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.

Thanks to Embrace Pet Insurance my dog Chela is able to wag her tail again(literally). She had a ruptured disc and a very narrow spinal canal with impingement of the nerves. After a pre-approved MRI and CT (also thanks to Embrace)they did a spinal fusion and laminectomy. It was done about 10 days ago, and thanks to a fast pre-approval process, the claim has already been approved. She is already moving her right rear foot better and is able to wag her tail! Prior to surgery, her tail just hung down limp with very little movement. She is still in some pain, but manageable with medication. The total bill was almost $8000 including the MRI. I hope this surgery will greatly improve her quality of life. Thank goodness for great pet insurance, without it so many pet owners are faced with tough decisions based on finances, not the best interests and welfare of a beloved pet. Thanks Embrace, and tail wags from Chela