Embrace | Pet Insurance Review

Our girl, Ruby, was diagnosed with a tumor in her pancreas that absolutely had to be removed. It was also making so much excess insulin in her body that she couldn't regulate her blood sugar, so she had a seizure. Because she was unstable and needed specialized surgery, she was hospitalized for over a week in the ICU. This round the clock care and intensive surgical procedure were the only way for her to have a good prognosis, and without Embrace we would have had to make a different decision: one based solely on money rather than what was best for Ruby. Ultimately, that is why we got insurance and chose Embrace. We never wanted to have to choose to not provide the best care for the best outcome because of financial burden. The hospital submitted our claim, 3 days later Embrace emailed me that they'd received it, and then 3-4 days later our reimbursement was in my bank account. I didn't even have to wait for a check in the mail! And when I called two different times with questions, they were happy to help and explain everything I needed clarification on. I could not be happier with their claims process and customer service.

I had a simple wellness claim with a variety of vaccines, tests, and new medications from my vet. My claim was easy to open, I received a prompt response once it was underway, and I was very satisfied with the outcome. Embrace did a great job of living up to the expectations I had for them when I was deciding on a pet insurer. I will definitely be recommending Embrace in the future!

Our insurance claims have been processed timely and with understandable explanations of their findings. Thank you.

Great coverage. Great customer service. Couldn't be happier with my experience with Embrace!

Writing a review here because Embrace asked me to in one of their emails. I put in a claim with Embrace for a vet visit near the end of my first year. I knew it wouldn't get me up to the deductible, but I wanted to see how the process would go. Embrace received my claim, and only then, after 11 months as a customer, got around to looking at the medical records I had sent in. At that point, I learned that everything my dog has ever seen the vet for, including diarrhea she had in 2014, is a preexisting condition. I had a long back and forth with one of the agents, and it was generally frustrating. I tried to argue against the diarrhea being a preexisting persistent condition, and at one point that agent copied information from the policy (on the time period between intestinal issues after which the issue can be assumed to be gone, 12 months I think) and misrepresented it to me as the reason that my dog could _never_ have any stomach issues covered. Maybe I'm wrong, but I found that whole bit offensive, and to be a serious overreach as a way to set up denials in the future. I am genuinely glad that others have good experiences with Embrace. It's obviously difficult to deal with these sorts of things. I just left my interaction feeling like Embrace was happy to profit from my love for my dog and concern for her wellbeing, without giving much in return. So I canceled my account and switched to another company that my vet recommended.