Embrace | Pet Insurance Review

I have two dogs and they have Embrace Pet Insurance since 2010. Any time I have submitted a claim, Embrace is quick to notify me that it has been received and always gives me a time frame until I hear back regarding the claim. It is usually within 2 weeks .They have always been extremely fair and honest. I appreciate the communication during the review process as well as after payment has been sent. My Golden recently had an UTI and possible thyroid issues. There were numerous tests taken and so pleased to see all were covered. It is comforting to know that what they promise when you sign up is what they deliver. I absolutely would recommend them to anyone who has a pet.

The portal requests (insists) I register, but I'm already registered so I can't get into portal. I can't get status of my claim.

After over 3 months of paying for my two dogs, and jumping through all Embrace's "hoops" - ortho check, turning over files, etc., it became apparent that virtually any condition my 7 and 8 year old dogs had was going to be considered pre-existing. Middle ear infection? Sorry, not covered because he had a yeast infection in ear prior. Visit to vet for panting,(which can be a sign of pain in dogs)? Sorry, not covered because he had been brought in previously for "labored breathing." News Flash: Labored breathing/panting is a SYMPTOM of something else. You suggested I can, however, call my vet and have her "write us a letter, explaining why it's different." Really? I don't have time to investigate and fight you over every claim, nor does my vet. (And this was just to go toward my deductible.) I should have known from your initial threatening email practically accusing me of faking my dog's ortho exam (yes, the one you request of new policy holders) that you were not a company to be trusted. I predict that once word gets around, Embrace won't be around for long. I highly recommend you stay away from this company.

Embrace is very user-friendly. I love that you can report a claim in multiple ways. I took a picture of my invoice and uploaded it to my embrace and it was done in two days. I am very satisfied. Also, their customer service goes above and beyond.

Our claim was processed promptly and the Embrace staff were so thoughtful and caring regarding the loss of our beloved Maiya. They even lit a virtual candle on her behalf at IRememberYou.org. I highly recommend this company and will continue to have our cats insured with them. It's comforting to know that they are there to help when you need assistance!