Embrace | Pet Insurance Review

I had different pet insurance prior to joining embrace about 3 years ago. The other insurance barely covered any claims. Once you meet your deductible, embrace covers 80% of the bills. The people are friendly and get back to you in a timely manner. Even though they have never met my dogs not myself, I feel like they truly know us whenever I email or call! I highly reccommend Embrace!

My husband and I had our doubts about Embrace, as we did with any other insurance carrier and the insurance industry in general. However, Embrace came through on our claim and made everything so easy! Our 4 1/2 year old Boston Terrier had to have surgery for her brachycephalic-related issues. Our claim form was faxed in and within the next few days we received an email acknowledging receipt and that our claim would be processed within approximately 20 days. We received another email just to let us know the claim was still in queue, and then a final email within the 20 days saying it was processed and that a refund check was already on its way. Coverage aside, the customer service at Embrace is wonderful. Prompt, friendly responses and updates. It's like Amazon or Zappos, but for pets :) We love Embrace and have our other Boston covered under them.

The $400 wellness covered the wellness policy for the year. I have already submitted previous claims so I got my $$$ worth.

Regarding my dog's back injury. I would say that if you have a dog that is 6 years or older, consider another insurance company. Embrace will not cover them when they're older than 8 and so you may as well enroll with a company that will cover them as they age rather than having to switch later when they may have developed a pre-existing condition. This was a very expensive lesson to learn for me.

My elderly dog has an accident only policy (all I could get for her.) She fell down the stairs and couldn't walk. Took her to the vet and they diagnosed back injury and said she needed emergency surgery. The bill was $4500. Submitted the claim and Embrace said it was considered "Illness" not accident and denied the claim. I imagine anything that happens to an old dog could be denied due to "illness." Broken leg? The dog probably has arthritis.