Embrace | Pet Insurance Review

Insurance is usually an afterthought and opens the door for a painful process with things you don't perfectly understand. Embrace keeps is simple and gives you many options that show how it impacts your costs and coverages. We've had Embrace for over 4 years and have had to file claims here and there, they've condensed it to a simple process and over communicate. Will definitely keep using them for the foreseeable future.

Policy is not as transparent as I hoped it would be, because after being a policy holder for over a year I ask about upgrading my Wellinses potion and the agent could not give me a straight answer, because when I asked about the upgrade he said it would cost me an extra $200 before my current policy was due for renewing in 2 months, but if I wait two months it would be about $50. That seem to be Horribly HIGH for just two months and especially if my dog had no more Vet visit. So I been thinking about shopping around, but I might still stay and just wait the 2 months Loyalty so current policy holders don't mean anything!!

To have a company do what you did and in a timely manner is unusual to say the least, especially for an animal.

first claim and end result fantastic. Customer service outstanding, as I was able to talk to a real person promptly who was courteous and knowledgable. I thought claim was a little slow, but turns out it was due to problem getting Archie's medical records from both our vet and the vet he saw before we adopted him. I am totally satisfied and very happy we have Embrace

Terrible experience - they doubled our monthly premium after one year and automatically denied every claim based on a pre-existing condition even when there is clearly no connection between the two (even after our vet wrote an appeal letter). Their claims adjusters have little medical knowledge and it became clear after a while that their MO is to deny every claim regardless so you have to spend all your time and energy to appeal. You're better off self insuring than give your money to this company.