Embrace | Pet Insurance Review

I just filed my first claim with Embrace after getting my coverage last year. They processed my claim quickly and I received my reimbursement in less than a week. I will say however I am disappointed about their pre-existing policing. Though I understand why this is in place it was frustrating in my dog's case. When I got my insurance policy, they had noticed that my dog had been sick with vomitting about 9 months prior but was not diagnosed with anything (the vet found nothing wrong with him besides just a tummy ache) Embrace however listed vomitting as a pre-existing condition on my policy and will not pay for anything related to vomiting. Vomitting however is a VERY common symptom of a variety of illness up to major things like cancer... Therefore when my dog got sick with kennel cough and was gagging uncontrollably which made him vomit I was worried about my claim and not getting re-reimbursed... And I worried about taking him to the vet because of the price. Thankfully Embrace covered all of the vet bill except his nausea medicine so it was better than nothings.

My vet's office submits my claim(s) to Embrace and I immediately get an email acknowledging that they have received my claim. I get a follow-up email saying the claim is being processed and the link where I can follow-up to see the status of the claim. I love Embrace. I had another Pet Insurance carrier before and they were satisfactory and all good at the beginning and then it just went downhill. Embrace answers your inquiries immediately. I have recommended them to my friends and even to the staff at my vet's office.

When my 6 year old Golden Retriever started limping, we thought he might have pulled a muscle. We weren't prepared for a torn ACL or Canine cruciate ligament tear, our vet tried to heal it without surgery but we quickly realized it wasn't going to be enough. After surgery and months of physical therapy he was slowly getting better but wasn't making the improvement we hoped for. At his 3 month xrays they get said things looked stable but at 6 months the unimaginable happened the plate slipped and popped out through the skin. An emergency vet visit, emergency surgery to remove the plate and install and pin and start all over again with physical therapy and he is finally starting to feel like his old self. Though it all, Embrace stood by us. The claim paperwork was easy to file, the claims were paid out quickly. They never argued about how much physical therapy our dog needed, or said which vet we could or could not use. They didn't raise our rates after the first year and over $5500 worth of claim pay outs. So far our vet bills have been over $8000 just for this injury. We have all three of our pets covered by Embrace, best decision I ever made. My advice, sign up your pet now, you never know what they will get in to and you never want to be faced with enuthanizing or giving up your pet to a rescue because you can't afford the vet bills.

My English Mastiff, who we were planning on breeding suddenly became ill, low blood platelets (could bleed out), then jaundice, then a bleeding ulcer. We were on a roller coaster, blood tests daily, a trip to Georgia Veterinary Specialists for an ultrasound because of her size (197#). 3 weeks of daily visits to our vet and the bills were adding up fast. By the end of the 2nd week I was receiving checks for 80% of what I had paid. Better than my health insurance!

I have been very pleased with Embrace since I started my policy in May 2016. I really appreciate that Embrace told me what conditions they would cover and what conditions were temporarily or permanently excluded. I had to make several large claims in the past few weeks to cover an unexpected case of anemia. Embrace was very quick in processing the claims. They covered everything related to the anemia. Since I was so happy with the illness coverage, I recently added the Wellness Benefits to my plan and have been happy with the coverage and speed of the payment. The policy is pretty reasonably priced for the amount of coverage. I have recommended Embrace to my dog's former foster family as well as a coworker who will be adopting a dog soon.