Embrace | Pet Insurance Review

We recently purchased Embrace insurance for the first time. We recently filed claims. The forms were simple, and the reimbursement checks arrived very quickly. It was easy. The Embrace customer service reps are always friendly and explain things well.

We chose Embrace for two of our dogs insurance and submitted our first claim. Our dog had high protein (a year ago) in his urine which Embrace counted as a pre-existing condition. Recently he was not acting well so we brought him to the vet to see if something was wrong. Our vet did a number of tests - ONE of which waS related to the pre-existing condition. The bill was $645. Embrace initially rejected the whole claim. After appeal they agreed to pay only the wellness portion ($200). T The rest of the tests they rejected...including Chemistry Super, T4 Thyroid test, and the Lyme panel which were absolutely not related (and not part of a wellness exam). They basically are saying that if there is ANY pre-existing condition All diagnostic testing for that pet will be denied forever....no matter how unrelated the test are to the initial condition. This is completely unacceptable. I consider this company to be deceitful and totally unethical. Do not sign up for Embrace...find a better choice as we are going to do!

I have had Embrace insurance for the last 4 years or so. Embrace has always paid claims promptly and without fuss. The staff has been unfailingly polite and accommodating. This review is not for one incident but for many over the last few years as my dog's health declined due to kidney disease then kidney failure.

My monthly premiums are so reasonable and my dogs have been very healthy. But with a surgery suddenly needed and a surgeon called in, I couldn't be more pleased with my coverage. They're paying 80% of the total. I did opt for prescription coverage also, and I am so glad I did. Medication was needed for the 1st week and a half.

This was the second ACL repair for my dog this year. I never would have been able to do both knees in a year if I didn't carry insurance that covers orthopedic surgeries. Embrace made it possible for me to give my dog the ultimate care. They were very responsive to me with both claims and reimbursement was very quick after the claim was filed! Thank you for great service!