Embrace | Pet Insurance Review

We have had our English bulldogs covered by Embrace for several years now. Unfortunately, two months ago, our 10-year-old bulldog (Bauer) collapsed and was rushed to the emergency vet, where he was diagnosed with lymphoma cancer. Since then, he has been undergoing weekly chemotherapy treatment under the care of a pet oncologist. I have submitted 7 claims over the past 8 weeks, all related to Bauer's cancer diagnosis and treatment. Embrace has approved all of the claims without issue, paying out over $3200 during that timeframe. Just as importantly, I have been receiving my reimbursement deposits in a timely manner, about one week after each claim is submitted. We purchased policies with Embrace to help us in the event that one of our dogs suffered a serious injury or illness requiring expensive treatment. Embrace has been fulfilling their end of the bargain with this cancer diagnosis, and has made a difficult situation easier for us. I highly recommend them, and plan to be a customer for life.

Stay Away! I'm in the military and move around a lot. For some reason they didn't have my pets full medical history and I've been paying them for two years and made no claims. Now that I need the insurance, they denied everything. They requested the medical history from my previous vet on 3 Aug. On 5 Aug, they denied my claims because the vet hadn't sent the requested info, yet. Really...two days. No followup call or anything. Just deny all my claims.

My lab had a very large cyst on her belly causing her to be limited in how long would walk and play her favorite game. Football. Had surgery, submitted claim and in 5 days (including weekend) received emsil letting me know it was covered.

Logan somehow injured his back the night before I was to leave to attend my Mom's memorial service. We spent that night at the emergency vet, where he received excellent care. His recheck visit with our regular vet took place while I was gone, thanks to some wonderful friends. I submitted his claims once I returned home and they were promptly processed without any question. Logan has been covered by Embrace for 5 years and we've always received excellent service and everyone I have ever talked with in customer service has been extremely nice—more like a family member. Thanks for caring; I feel good knowing you all are in our corner!

I have been with embrace for three years now. I don't know what I would do without them! It makes my life easy knowing they have my 3 babies covered! Embrace is always there to help and get claims done in a speedy manner!