Embrace | Pet Insurance Review

Embrace has covered the more expensive emergency items which was nice BUT they have unfair policies regarding smaller claims. My dog had diarrhea before I started my policy. So they say that is a pre-existing condition and I would have to wait 12 months before they will cover any diarrhea issues. WELL...my dog made it 10.5 months with no diarrhea and recently had a bad case so I took her in. Embrace denied the claim even though she was only about a month and a week or two away from being cleared. Now I have to wait another 12 MONTHS for them to cover diarrhea. I don't know about you and your dogs but dogs get diarrhea from time to time more depending on many factors. I take very good care of my two yr. old dog. But I also socialize her and she can catch things from other dogs. Personally, I think humans get diarrhea more than once a year. How can they expect a dog to not get diarrhea for 12 months?! Seems unfair and a loop hole so they don't have to cover it.

Embrace never disappoints. Very thorough and quick. Thank you!

After my mother passed away, I inherited her cat. I have had four other cats in my life and this one is so special. My sister tells me she has blossomed in our home and she has come to mean the world to me. I hoped I would have her for 5 more years or so. Since she was 14, I insured her. I was so happy that Embrace was willing to insure a 14 year old cat. For her first two years with us, I was glad that insurance was not needed but I had peace of mind. This year, she was diagnosed with Bowen's disease (a form of skin cancer) and lymphoma. She is getting treatment for both, is doing well and is comfortable. Because I embrace, this special kitty and I will get more time with each other...who knows...maybe 5 more years. What a great decision it was to insure her.

Best insurance! Everyone there is so nice. They listen and answer your questions. Claims are handled quickly. This company is the best. I also love that you can use holistic vets.

Exclusions exclusions exclusions! Beware. In my opinion your money is better spent placed in a savings account. A claim was submitted for treatment of a seizure that occurred within the coverage period. There was no diagnosis of chronic seizures prior to when the coverage period began. So no clue how this determination was made. Note that the Vet still has not determined the cause. They are still testing and observing. Note also the claim was not reviewed by a Vet. It was reviewed by a Vet Tech who also determined that ear infections and cancer (my pet has a very small benign skin flap) are also excluded.