Embrace | Pet Insurance Review

First time having pet insurance. Embrace has been quick, helpful and communicative with helping me figuring out the process and has responded to questions I have to their emails promptly within a few hours to the next business day. The biggest struggle so far has been the waiting period and the medical review I requested for two of my four cats. As soon as they had the information they sent me an email, explaining their findings based on each cat's medical history. About the only down side is their policy for preexisting conditions but that's insurance. I have one old cat with a list of conditions that are not eligible for coverage- surprisingly, most of the exclusions are only temporary for a few months to a year and only a few permanent exclusion. And I have one cat middle age cat that tested positive for FIV. As he is FIV positive he is not eligible for medical coverage but he qualifies for full accident coverage and wellness exams. Even with the exclusions, what is covered is still pretty decent and when it comes to pet bills, every little bit counts. So despite the not so thrilling news having to navigate around and cover for pre-existing health conditions, I am pleased and look forward to a long happy relationship (or as happy as a relationship one can have with their health insurance) with Embrace.

After extensive research on pet insurance, I decided to choose Embrace because of the positive reviews. I had a horrible experience with Embrace during the first couple of claims. They wanted to deny everything and I spent hours going back and forth between Embrace and my vet office. My vet office informed me they had not experienced a pet insurance company that fought to not pay as much as Embrace did. It was so bad I consulted with a legal team to review all the documentation so I could understand why Embrace was refusing to pay. After weeks of grief, they finally paid my claims. You have to constantly request status' and they make it very complicated and now that we have certain diagnosis on my dogs history, I am stuck with Embrace for a long time.

Went in for a large lump on our Great Dane's ankle- did Xrays to make sure wasn't bone cancer, then had to do a biopsy to make sure there wasn't any cancer or a tumor etc once the X-rays were cleared. All good news (thankfully) but he contracted pneumonia from going under. Poor guy's been in & out several times. So thankful we have Embrace! They're friendly & fast with claims!

As usual service was fast and efficient and the girls took very good care of my puppies claims I would highly recommend this insurance to protect your dogs in the event of an emergency

On Dec.20 2016 Finn was given tests and found to have diabetes. He was immediately put on insulin,but it took 2 months of basically weekly tests to regulate his insulin.I am very pleased how embrace handled everything and especially the prescription plan for the insulin. Thank you so much Karol Rosenwald