Embrace | Pet Insurance Review

We've had Embrace Insurance for our German Shepherd Dog for 5 years. After meeting all the timetables for pre-existing conditions, coverage has been as promised and expected. Appreciate the way Embrace makes it easy to file, and honors their commitment. To fit our budget, we purchased a high-deductible policy and for a few years didn't meet our deductible, but that was a good thing as our dog was very healthy. This year, however, she had a serious and costly illness and Embrace came through - we are glad we had insurance, as it enabled us to know we could afford to proceed with our dog's treatment when the issue first came up - and it looks like she is recovering nicely. Thanks, Embrace!

Embrace coverage for my dog Hayden started on 3/11. I took him in for his orthopedic exam and vaccinations which was costly. My claim was submitted, approved and paid in full all within one week. I am appealing his ortho exam as the vet was not specific enough on the paperwork she submitted so I had her resubmit it. I am hoping all goes well and he will be covered for any orthopedic issues. That is why I am giving it an 8. If they cover his ortho I would raise it to a 10. Their customer service is the best!!!

I have had Embrace for several years now for my 2 Dalmatians. In the past year I have had one dal with bladder stones and this one with ACL surgery and now a UTI/vaginitis. My vet fills out the form, it is sent and the claim is processed and I get an email in no time. I am so happy I picked Embrance. There is no hassel and my dogs are able to have medical care that they need. Although no one wants to think you need insurance, until the time the bill is expensive and then you wish you had it. Choose this company. they are people and pet friendly.

My dog had a limp from stepping on a piece of ice one day, he literally limped for one day. We took him to the vet for brain seizures and the vet asked if there was anything else. We said yes, he started limping yesterday after he stepped on a piece of ice. The limp was in no way related to the vet visit. He stopped limping the very next day. 11 months later he tore his ACL on the other leg. Embrace denied the claim saying because he limped for 1 day it was a pre-existing condition. And they told us for the appeal, we just needed a letter from the vet who saw him and noted the limp, saying that his slight limp that day was in no way related to his torn ACL on his other leg. The vet wrote this letters aging it was not related and did not cause his ACL injury. Embrace de lined it again. This company is horrible, absolutely worthless. When I asked what type of evidence the would have needed showing the two were not related since a statement from the Vet wasn't enough, they refused to give me an answer. Stay away from them, go with VPI or any other company. There is a reason Embrace is cheaper, it's because their service is horrible.

I signed up for Embrace when I got my dog 6 months ago because research gave me a good impression of the company. They have been so great helping me care for my dog. I think it's already been worth the investment already.