Embrace | Pet Insurance Review

We purchased pet insurance 2 years ago when our cat turned 10, in anticipation of medical costs as he ages. This year was the first year we have had to use it and we hit our deductible in the first few weeks of the year. It has been such a relief to know we can treat our cat's condition without the financial burden. Embrace has been so easy to work with and both of our claims have been processed faster than I expected. We are very happy with our coverage.

Wait, what? Yes, insurance for your pet is fantastic. We have the full package insurance. We used it twice for pneumonia hospitalization from urinary tract infection.

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!