Embrace | Pet Insurance Review

I have 3 dogs insured with Embrace. My biggest suggestion is add your dog to your policy as soon as you get the animal! One dog has lots of pre-existing conditions because I didn't know early enough to get insurance. Check the 2 types they offer - Accident/Illness vs Wellness. Be sure to check your coverage, or put in the paperwork for pre-certification to be sure certain things are covered. Dental work is NOT under accident/illness. And the final approval will be based on the final diagnosis, so if you have work done based on an initial diagnosis (that is covered) and then the outcome shows a different problem (that isn't covered), you are stuck with the bill. But Embrace is one of the few companies who covers congenital defects like hip dysplasia. We are in the middle of extensive PT and rehab following FHO surgery to alleviate arthritis pain caused by dysplasia, and everything has been covered. When the surgery had complications due to an unknown bleeding disorder, everything was covered even though it exceeded the pre-approved quote. While we do have to pay bills up front, then apply for re-embursement, the claims procedure is usually very quick. Using direct deposit, I typically have money back within 2 weeks (as long as the vet does their part to provide paperwork). The 10-15% rate increase every year is getting a little harder to swallow though!

Embrace continues to be a life saver with super quick claims processing and coverage of exactly what they say they're going to cover. I can't imagine where we'd be without this policy. They're the best!!

My little girl had knee surgery on Oct 26 and one month later we received the payment, which was quite substantial. I'd say that's great customer service. No fuss, no muss. Thanks, Embrace, for being there when we needed you, as always.

Fantastic pet insurance. Pet Embrace processed my dog claims faster than a typical human insurance. I've had Pet Embrace for almost a year (accident and wellness coverage) and I'm still amazed at how much is covered for my dog and also their professional customer service. I have recommended Pet Embrace to other pet owners and will continue to recommend Pet Embrace.

Embrace is easy to work with and very prompt.