Embrace | Pet Insurance Review

One of my dogs (8 pounds) was attacked by an unleashed owner-free much larger dog that charged us out of nowhere. The dog attempted to kill my dog but unfortunately didn't succeed but she did require a 5 day stay in the hospital with multiple tests and round the clock care. Embrace made the entire nightmare much easier by covering everything that I was entitled to with my policy in a very timely manner, hence allowing me to not have a large charge sitting on my credit card for an extended period of time!! Thanks Embrace for always being there for my dogs and I !

We've had many dogs over the years, but this is our first experience with insurance. We thought to try it out when we got a new puppy. Unfortunately, the pup was a few months old by the time we signed up and, by then, had had two or three ear infections. (Common in our humidity-filled climate). Based on that, Embrace has denied several claims under the guise of dermatologic conditions. They said that even if our dog goes for a full year without another ear infection, they'll use the fact that she had ear infections in her early months as a means to deny any claims related to ear infections, dermatologic conditions and other internal infections. The customer service reps with whom I've spoken have all been quite nice, but they told me that, at this point, we won't be reimbursed basically for any claim other than orthopedic; they explained that pet insurance is NOT like health insurance. It's much more like property casualty insurance in which the insurer is more interested in denying claims than in promoting good pet health in order to avoid future claims. This seems to be less about Embrace, per se, than about the pet insurance industry overall.

I was skeptical about getting pet insurance but realizing how expensive vet bills were for my cat, thought it would make sense to at least try it for a year after adopting a labradoodle puppy. I chose Embrace after comparing about 5 other providers and have to say I am not disappointed. While they did turn down several claims that were not covered under my particular plan, I have submitted 4 other claims for covered illnesses and they were process and paid for in a few weeks. I’m very happy with Embrace and plan to renew this coverage next year.

Embrace is very user friendly. Their site is very easy to understand and there isn't any hidden costs they lay it out very clearly when you sign up initially. They also provide great customer support with emails notifying when claim has been received and when it has been processed. The only setback I think is that I would prefer a higher wellness allowance because a puppy would require more coverage in this over versus a more mature dog.

I got embrace for my cat Arwen a few months ago as I wanted to have it just in case so I wouldn't have to worry anymore. Lucky thing I did! My cat has had a bunch of tummy problems over the last few months and Embrace has helped me every step of the way. My vets office accepted Embrace so I got to keep my same vet. The claims process is so simple and if you ever have any questions they are more than willing to help you out if you call, everyone is so nice and helpful! They are usually very timely with the process as well. Without it I probably wouldn't have been able to get care for my cat who is the love of my life and I just want her to be healthy. I couldn't be more happy that I found out about Embrace and will be keeping it for all of my pets in the future.