Embrace | Pet Insurance Review

embrace is horrible. our dog had giardia from the shelter we rescued her from 11 1/2 months ago. during that time, embrace claimed any type of upset stomach was due to her having giardia months ago and each time she had an upset stomach, they would extend giardia as a pre-existing condition 12 months (IM NOT MAKING THIS UP. IT'S INSANE). she hadn't had any stomach trouble for 11 1/2 months. she then got 2 very serious vaccines and had an upset stomach for a day (which our vet said is extremely common). embrace is telling me this is because of giardia and that they're extending the pre-existing definition of giardia another 12 months. they won't return any of my calls. i would never ever recommend them to anyone. i plan on leaving if they don't resolve this and i hope no one ever uses them. there are so many better alternatives.

Our new puppy got sick on Christmas day and gave us a gift of a hefty emergency hospital bill! We were lucky it was also the day when our sickness coverage started. The customer representative I spoke with before submitting the claim was extremely helpful and very nice. They advised that the first claim could take up to 30 calendar days, but our claim was completed twice as fast (and only took longer because the hospital double-charged us for one item). Every day I logged into the app, there was some update. I am really impressed by the efficiency of the claim adjuster. I think we made a great decision by choosing Embrace for our puppy.

Lots of repeated questions, but after all good service.

Their policies are up front and I've never been denied a claim.

It was easy to submit the claim. No problems at all.