Embrace | Pet Insurance Review

At our renewal, our rates DOUBLED- even for a puppy that reached one year old at renewal time with NO claims or pre-existing conditions. Shop around- there are better alternatives than Embrace.

My dogs have been covered by Embrace Insurance for many years, and I’ve been immensely grateful for the peace of mind and Embrace’s terrific customer service. Financials are handled efficiently, questions are answered quickly and knowledgeably, and customers are treated thoughtfully at times that are often very stressful. Embrace Pet Insurance gets my heartfelt recommendation!

I did not have a great experience with embrace. They considered my dog’s surgery a pre existing condition which it wasn't, so didn’t cover any of it. Not even the doctors visit….Was told I should have tapped the conversation that said it was? Who does that when looking around for insurances. So they did a bate and switch on me. I tried for three weeks to get pre approved and they kept telling me they needed more paper work and that my doc wasn’t sending when I was at my doctors office and watched them send. Then it came time for the surgery and I had to do so I did and then all the paper work I did for three weeks was no longer good because it now becomes a claim so I did everything they asked and in 5 hrs I was denied. Amazing couldn’t get pre approved for three weeks but got denied in 5 hours!! I definitely would have picked lemonade or one of the other insurances. I will wait for my year to be up and switch insurances. My dog is doing great that is the most important thing to me.

Slow process and frequently says it's a previous medical condition when it isn't. Other pet insurances cover that.

For the most part, I've had embrace for over 5 years and I'm very pleased with the service I get. Sometimes it's rather tedious I know for my vet, who has to sometimes send in multiple doctor notes before a claim is paid. But that rarely happens, therefore I still am giving a five star rating.