Embrace | Pet Insurance Review

I had insured my Sheltie with Embrace with the knowledge that she would have pleural effusion and pancreatitis excluded for 1 year as it was a preexisting condition. However, what I did not know, is during their medical review they began to exclude much more. For instance, she lost a tooth so that is noted as a permanent exclusion. Really, is it necessary? We can't replace it! That one I find comical. Her ALT was elevated once but was normal all subsequent tests, now that is excluded for 1 yr. ANYTHING a vet notes, they exclude no matter how minor. ANYTHING and I mean ANYTHING that causes ANY signs and or symptoms related to a pre existing condition is excluded. So if you pet had difficulty breathing due to trauma now ANYTHING that causes difficulty breathing is excluded for 1 year. So if your dog gets say a bad cold and it affects their breathing, you're SOL. If a vet "suspects" a possible illness, it becomes a pre-existing condition. Like when they say "The test suggests an enlarged liver." Well, say goodbye to any and all liver diseases or anything that affects the liver even if its not liver related. Yet, when a Dr. says its unlikely a pre existing condition is the cause, the claim is denied. So you see, they are very broad on their exclusions and have a double standard for determining a pre-existing condition. "Suspect/Suggest a finding"= excluded for 1 yr. Claim that states "Not likely a an identified pre-existing condition"= DENIED. So be careful. Make sure your dog is groomed before seeing a vet because if there is any note of dandruff, dermatological condition is excluded for 1 year. Get their anal sacs drained too otherwise that's excluded for 1 yr. Overweight? Excluded for 1 yr. ANY abnormal blood values, not matter the cause, excluded for 1 year. When I say ANY, I mean ANY. The staff so far have been nice, I have to admit that however their broad "ANY AND ALL RELATED SIGNS SYMPTOMS" is outrageously extensive. Got a crusty in the eye- excluded for 1 yr as conjunctivitis. Have a claim for a covered illness but also causes a pre-existing to flare up= DENIED. Best to get this insurance when your dog is a pup or there's been no vet visit within a year because anything said is excluded. As I stated in the beginning, certain exclusions I agree with but some I totally think are wrong. So be careful when considering this company.

Embrace Pet Insurance has been quick to resolve both of my claims I very pleased with my choice

Terrible claims service!

My dog was having seizures and required an MRI and spinal tap to determine the cause. Embrace pre-approved the procedures and once the diagnosis was made, I received a check from Embrace very quickly. I found that medication costs were quickly reimbursed as well. The customer service is exceptional. The representatives are courteous and attentive. So happy I have this insurance.

we have had Embrace for over 5 years now for Josie our working English Cocker. In all this time we have never had any problem dealing with Embrace. All claims were queued up in a very timely manner and resolved just as quickly.I originally got the insurance for my piece of mind but shortly came to appreciate the value of pet insurance; I do not have to make a decision to put dollars ahead of Josie's health. As an aside; they are probably the most user friendly insurance company I have ever dealt with, great people with a passion for what they do.