Embrace | Pet Insurance Review

I got a letter indicating that my dog has preexisting conditions. He is a healthy 3 year old.. no issues. I am concerned, take him to the vet with the letter and vet say… he doesn’t have those issues.. so buyer beware…let me be more specific. I volunteered to have x-rays of my dogs hips and lower back when I got him neutered. The doctor didn't see any concern but the radiologist said...the "Might" the one word excluded any coverage of of hip joint issues...period....doesn't matter if it has nothing to do with a degenerative disease. So my understanding if he hurts himself or by a accident...those hips have no coverage... even thought there was nothing wrong with him and I did the x-ray as voluntary because AKC keeps data bases on purebreds. The word MIGHT on one hip is grounds for lifetime exclusion. Second issue a vet, not his regular mad a comment about tarter...embrace said I have to get his teeth cleaned to have teeth covered...I show the vet and ...the VET SAID she WOULD NOT perform a cleaning because he does not have tartar he has stains on two teeth, I brush his teeth every day, clean his ears, brush his coat, Dremel his nails...I go over him every day... So I can't get his teethe clean, which as stated he does not need...but his coverage is excluded..so the insurance company diagnose and assigns treatment mandates with out verifying or conferring that those issues NEVER seeing it for them self's and I am not sure adjuster are veterinarians. Just be aware, any word like "Might", "maybe", "possibly"..etc. words like that, will cause exclusions in the policy. Just know... I think this is important for understanding. There was know not covered for 6 months or some other time period...I could be wrong and would love clarification... are this exclusions forever or for a time period?

I have had many pet insurances over the years with various pet so I can say that Embrace is definitely a keeper. Claims are handled quickly and easily.

My pet has Cushings. Insurance claims are usually arduous. This claim was simple with clear instructions. The pull down menu's are a little slow. Identification of pet is a plus, I like that there is a picture of your pet. The whole process took less than 5 minutes.

Ease of processing claim.

I’d rate them 6 stars if that was an option. Amazingly fast claims review and reimbursement! VERY happy with coverage and service.