Embrace | Pet Insurance Review

My lab/shepherd mix, Jacob, has been having seizures and is taking expensive medication to control them. Embrace has easily covered all hospital and vet visits without a hassle, as well as all medication. It's easy to submit claims. Their people have been very helpful when I have had questions.

In trying to get our 8 month old lab the surgery he needed for a CCL tear, EMBRACE refused to cover any operations. Even though we provided the puppy's medical history and a note from our vet saying this was the result of on accident that occurred during our coverage period. Apparently having several physicals where there are "no issues" with his knees/legs is not enough. In dealing with so called "Embracers", they also wouldn't accept anything from our old vet from before our coverage period. They seemed to go out of their way to call everything and anything a pre-existing condition. Do not waste your money. Unless you have a cat, then they will probably kill it.

Did a great job processing my claim quickly and provided the anticipated coverage. thank you!

Have had many dogs over the years and never thought about pet insurance until I got my first GSD puppy Max. Not only is he covered for health but for Wellness exams too. He will be three at the end of this month and doing very well with only claims for the Wellness visits. Recently he had a growth removed from his right hind paw. I was able to send the preliminary costs to Embrace for review and approval of coverage before the surgery. Max is doing great and I love the fact that I can fax in the claims, get an email that it was received and then an email when the claim was paid and deposited to my back account. With such a special dog I can't image not having this coverage for Max.

Recently, my dog was diagnosed with elbow dysplasia and needed surgery to remove fairly large bone fragments in both elbows. My dog was in quite some pain and the doctor warned that delaying the surgery for too long could result in further deterioration of her elbows. Embrace was wonderfully quick in processing her pre-authorization for surgery and the claim afterwards as well. We are so happy with Embrace and recommend it to everyone!