Embrace | Pet Insurance Review

Embrace Pet Insurance has been exceptional pet insurance company. I've purchased coverage for my Shiba Inu since she was 6 months old and Embrace has always and continues to exceed my expectations after 7.5 years. This past year my dog had tore both of her cranial cruciate ligaments (equivalent to human ACLs) and required two separate TPLO surgeries. If that wasn't enough, she also had urination problems and a fatty tumor. My dog has always been fairly healthy and this is the first time she's required such serious procedures. The estimated cost for 2 surgeries was over $10,000. While I've never had problems with my minor claims in the past, I was nervous given that I've heard so many pet owners with insurance horror stories, but Embrace was amazing and I didn't have any problems with my claims and receiving reimbursement. Even after I finished submitting claims for my dog's first surgery and submitted pre-certifications for her second surgery, Embrace got back to me with an approval and didn't question it at all. Embrace's plans are straight forward and more importantly they actually cover what they advertise. My pre certifications were approved and my claims were approved - all within a reasonable time and without any hassles. For all prospective customers looking to buy their pets insurance, I strongly urge you to get Embrace Pet Insurance!

My six-year old husky mix developed two fat lumps recently - I contacted Embrace about having them removed - Embrace declined saying that my dog had a pre-existing condition, a small pink raised bump in her armpit that had been looked at by my vet several years ago. The bump went away on its own and never come back. I contacted Embrace about the claim denial and they said for me to have me vet send a letter sating her opinion on what the lump was. I did that but felt little hope that the outcome would be good. Most health insurance companies animal and human are in the business of making money and one way of doing this is by turning down claims using a plethora of loopholes. I have to say I was quite surprised and happy that Embrace read my vet's report and reversed their decision. I might also add that I researched the top pet insurance companies obsessively before deciding on Embrace - Glad I did - Thank You Embrace

Brady is 10 our year old King Charles Cavalier Spaniel. He was diagnosed with a heart murmur approximately 2 years ago. Upon relocating from PA to NJ we naturally switched veterinarians. His new Dr. recommended a complete cardiac work-up including xrays, cardiogram and bloodwork to ascertain the severity of his illness and to determine a treatment plan. I did have the work precertified so I would know exactly what the out-of-pocket expense would be. When the work was done and the invoice submitted, Embrace initially did not pay the amount previously indicated. I immediately called to discuss the situation. The staff was very sympathetic and eager to resolve the situation. Two days later I received an email that they had reviewed the case and would be correcting my refund. I truly appreciate that they lived up to their word.

I've never had vet insurance before. So glad I got it. Embrace has been great to work with and have done everything they promised. We had a cancer scare this year and it such a relief to be able to get the workup we needed without freaking out about the cost. (All is well!)

My young MinPin quit eating, began to have very loose stools. Test after test done...couldn't figure out what the problem was. I had to feed him boiled chicken breast to get him to eat. Eventually, a specialist was consulted and we tried different dry dog food. It worked!! Embrace was VERY quick processing my claims and reimbursing the expenses. Thank you, Embrace!