Embrace | Pet Insurance Review

I have had 5 dogs over the last 30 years. 3 french bulldogs. Finally purchased a policy for my french puppy. He was diagnosed 11/20/25 with boas. He had been to the vet 5 times since 9/10/2024. Vet never mentioned boas. Told me thyroid or addisons disease was causing regurgitation. Vet stuck boas in his file in 2024 without ultrasound or any imaging. Obviously to cover herself. Embrace denied every bill after that 2024 date as pre existing. I am stuck eating over 5k in bills and needing surgery that will cost 10k. It’s still typical insurance, pass the baton, point the finger and make it impossible to get a live person to appeal. Don’t waste any money if your breed has potential classic problems. Every french bulldogs can be diagnosed with stenotic nares or boas. Policy is a worthless piece of paper. Seeing my premiums are $1200 a year

I adopted a senior chi mix in 2019, and he was insured through Embrace from 2020 through 2026. Every experience I had with the company was great; all of my claims were covered, and when I needed an explanation there was a lways someone to help. The Paw Desk, a 24/7 helpline for pet parents, was a fantastic resource. Everyone I encountered at Embrace was compassionate and knowledgeable, I had to cancel my policy this week. The premiums became unaffordable at renewal. If it made sense for me to keep Embrace, I would. They have kept both of us comfortable for six years.

Always a great experience with embrace. Great company in a market of not great companies

Called to get help sending in claims and was basically told to go on line and down load them . I do not have the ability to do that.

First candid conversation was good. Rep was honest and discussed issue with previous insurance company a reasons for leaving, mainly deception.