Embrace | Pet Insurance Review

Embrace waited 6 months to do a medical review. I was well past the waiting period & claim was denied. Now I’m having hard time reaching anyone on getting a refund for that pets premium.

Well, this is complicated. I had both my dogs with Trupanion for several years and only filed one broken tooth claim. They do not cover as much as Embrace so I switched insurance companies and added my 6 cats, so I have policies on all 8 pets. I have had to make claims now on a couple of pets and the process is long, especially the 1st claim as they do a deep dive into history looking for any evidence of pre-existing conditions. Any little mention gets flagged (like pink tinged fur on a foot excludes any dermatological condition for 12 months) Samson broke out is bad hives from a supplement given to him, it was not covered because of that pink-tinged fur possibly being dermatitis. (it wasn't, or I would have had him looked at for it) But overall, after a couple of claims under my belt, Embrace seems to be as good as any? They do cover more, so there's that.

Embrace’s policies are easy to understand and they don’t try to wriggle out of a claim. My most recent claim was processed and deposited in my account in under 7 days. Couldn’t be more pleased.

Extremely easy to submit a claim

Found out my fur baby girl had a mast cell tumor. Had to have it removed and starr seeing an oncologist. Uploaded my invoices and was reimbursed within a week or so. Very easy experience!