Embrace | Pet Insurance Review

OUR 7 MONTH OLD LABRADOR was having trouble walking and was diagnosed with OCD (osteochondrosis dessicans). Our vet suggested surgery at the MS State veterinary school...which we may not have been able to consider due to the expense if we had not had Embrace insurance. She had the surgery 2 weeks ago. We filed the claim and it was paid within a few days. Amazing, because I file health insurance claims for a psychotherapist and they can take 90 days or more to pay!!!Thank you, Embrace, for our puppy being able to return to being a normal active puppy.

Embrace again came through our second claim in three years. Just a fantastic company, and coverage is always understandable and exactly as expected. We recommend them to everyone!

When your animal gets sick it is stressfull enough and then you have the financial part to deal with. It's so nice to have a company like Embrace that cares enough to make sure the reimbursement process ispainless.

Denied claim not based on test or blood work. Did not request any other lab test before they denied claim. Paid for wellness just to pacify. Will fight to get claim paid. Will contact legal help if not satisfied with appeal decision. Will purchase from another pet insurance company if I get another pet in the future. Rely push survey.

This is the worst insurance company. They do reimburse like they describe on their website. They hunt and hunt and hunt to find a reason to reject a claim (it takes over a month for them to get back to you about the claim). It is very frustrating as I was very upfront with them about pre-existing conditions my cat had (he has gum disease). He got sick about 1-1/2 years into the policy, unable to eat, bad stomach. They rejected the medical bills (which were very large) said it was a pre-existing condition. What a bunch of liars and cheats. I feel stupid for believing all the wonderful reviews on their web site.