Embrace | Pet Insurance Review

Sure, it’s all roses until you cancel your plan and try to rejoin…… I was a satisfied Embrace client, having enrolled my pup with Embrace since the age of 4 months. Happy with the premium cost which was about $50 a month w/a $200 deductible for his breed/NYC. I was shocked one day to receive a waiver that required my signature. Essentially the waiver stated I understood if I signed, Embrace was not chartered in New York state and I would not be able to pursue an unpaid claims in New York state claims courts. Thousands of dollars in bills potentially unrecoverable? Not impossible scenario but very scary so as a concerned pet parent, I didn’t sign and switched firms. Went to Petplan. Am really unhappy with Petplan despite great reviews. Now I want to return to Embrace. Figure my dog is still young, Llyods of London is a reputable underwriter and all should be fine. Until, Embrace quotes me a premium of $89/mnth $1068/yr and informs me they WILL NOT be covering conditions they had previously covered since his coverage beginning at 4 months because my dog would be classified as a brand new customer with no history at Embrace (his medicial records would need to be reviewed as if he were never an Embrace client). Now, all the things that were NOT pre-existing in his policy since he was a pup are now considering pre-existing since I had taken a 3 month break from Embrace even though he had insurance coverage elsewhere with no claims. Really? I am outraged that Embrace is using a tec

Embrace has been very good to us. They are fair and prompt. Every dog owner should have this insurance. Annie just turned 3 yrs (Golden Retriever ) and this insurance gives us peace of mind . Sharon, Larry & Annie Sargent

Adelayne (Layne) our 19 month old Golden Retriever is everything to us. My wife and I cherish her. Recently over July 4th holiday, we went camping and Layne got poisoned possibly by formaldehyde, the chemical in portable toilets. We rushed her into the emergency vet clinic fearing the worst. After several hours we were able to go home with Layne and medications. We watched her slow recovery for days. I submitted the claim to Embrace not knowing what to expect. Well thank you!! They paid us back $182.94 of the $303.27 emergency clinc bill. That's 60%! Layne is back to her normal sweet self again, she's loved more than ever. Thanks again Embrace-no questions-no hassles-BEST Insurance.

I was so pleased with the customer service, fast reimbursement of wellness and great follow-up from the company. I was only a customer for a few days and all this was in a matter of a couple of weeks. I've had other pet insurance in the past, but Embrace excels above all the others, no doubt!!

We have Embrace Pet Insurance for 5 out of our 6 animals (other cat is too old). At first I was a bit discouraged by all the detailed history I had to ask my vet to print out & fax to Embrace (2 yrs worth for each animal). But I am glad to say it is only a one time process so they can establish each pets medical history. After filing my first few claims, that minor annoyance was long forgotten when we got refunds totalling $659.23!! The wellness rewards is probably the greatest benefit. There is no waiting period & it covers $200 per animal per year for all the little things that add up. We spent a total of $1124.90 on 4 dogs, in a span of 2 weeks (vaccines, heartworm prevention, blood work, spay/neutering). Let me reiterate...We are getting back $659.23!!!!! There was no hassel. They received my claim via fax & the next day I received an email telling me to expect my checks! It was like Christmas! I highly recommend Embrace for all pet owners! If you love your pets as much as I do, you undoubtedly spend alot of money at the vet. Finally, pet owners are being rewarded for being responsible!