Embrace | Pet Insurance Review

PLEASE never catch yourself without pet insurance. After an unexpected spinal cord injury in March 2024, we incurred a huge cost. We decided we needed to insure our pets afterwards. After a month of research, I chose embrace! Within 2 days of filing my claim after an accidental poisoning, I had the refund in my account. I will never switch pet insurance! Choose embrace!

So easy to deal with and submit my claim.

Sadie's spleen is irregular and has some kind of mass. As always, throughout our process with her vet Embrace has continued to respond to our claims with empathy and kindness, and the claims have been paid quickly, which is important to us as we are seniors on fixed incomes.

Customer Service is always great but it's about the only thing they have going for them. Once you submit anything to them they send an obscene amount of emails asking for clarification. My vet (and myself) have sent them them the documentation they need 5 or more times and they still can't seem to get out together. They don't pay out on certain ER services, because according to them they are not ER services. When I'm driving to an ER hospital with a limp animal at 2:00 a.m. with no rhyme or reason, all life saving things the ER vet does at that point to bring my dog back to life feels like it would be ER coverage. But Embrace will deny it. They take forever to process a claim and when you call, the agents are very nice but it seems it's always "another department" who is dropping the ball. I submitted a claim that added up to $21K, my coverage is for $5K and I'm getting resistance on how much of that is covered. There is no way $5K of $21K isn't covered but Embrace will most likely find a way to not cover it.

The claim submission process is straight forward and I found it easy to do.