Embrace | Pet Insurance Review

I used to believe that pet insurance was a waste of money. Not any more. We lost our golden retriever Lexi quickly , devastating and very expensive. When we were ready to adopt again I started looking at pet insurance. I spent weeks comparing and finally settle in Embrace. I have to say they have not disappointed. My claims are processed quickly and efficiently. I love that they communicate with me at every step. This is worth it.

I was prepared to get some kind of excuse on why my dog didn't qualify for his acl knee surgery but Embrace Reimbursed us quickly for his surgery. While I am a little disappointed in the large deductible and smaller percentage they paid than I was expecting it was beneficial to have a decent portion of this $2500 procedure covered by Embrace.

Everything was so fast and easy. I am not very computer literate and it was a breeze for me.

My soon-to-be six year old Chihuahua mix, Bean is my pride and joy. However, from time to time he gets a bout of something or other and needs to be looked at by our vets. Embrace has been very good in processing our claims. I'm very happy with their service and have recommended them to my neighbors for coverage of their pets.

I am disappointed in Embrace. After signing up two 6 year old dogs and receiving their medical history review, I realized that one of my dogs has way too many policy exclusions to justify coverage. If you went to your vet to complain about ANYTHING-even if the doc only noted it and didn't diagnose your dog, it's pre-existing. Well, since I am in the 30-day "refund" (haha) period I requested a cancellation and refund for only 1 dog. They said they'd give me only a "prorated" amount of 5 bucks because I am not cancelling the whole policy. This is specified NOWHERE in their 30-day refund details. I've only been with them for 23 days and I already don't trust them.