Embrace | Pet Insurance Review

Embrace is very quick to reimburse. I hoped to never need to use the insurance, but when I needed it, they did what they advertise.

Easy and simple to take care of pets It was really easy to add my pets and link their Vet History. Never got a claim declined and, the wellness program is the best!

Very professional and responsive. Easy claim process. Highly recommended.

Purchased a policy last year for our 2 year old dog. Had first wellness visit and process went well, got reimbursed for the qualified amount fairly fast. This year we were notified by our vet that it was time for wellness so we booked based on our available schedule between business trips. Well, turns out the appointment was 1 day earlier than last year, so Embrace denied the claim saying the "new policy" hadn't started (even though it was submitted 2 months after the fact and we had a recurring policy). They used the exact 365 days instead of having any sort of flexibility to the fact it was a year later, which is not feasible when trying to schedule appointments around work. I asked if they had an exception process given we were talking only a single day, and they said they make no exceptions for any reason. Beware that they have ZERO flexibility and will hold to the letter of everything without any exceptions. I explained I intended to be a customer for years with current pets and future, but they had no interest in keeping me as a customer. All due to a 1 day difference in the appointment.

my previous claims were handled rapidly and the process was painless.