Embrace | Pet Insurance Review

We recently lost all three of our pets (2 cats and a Newfoundland dog) over the stretch of 6 months. Embrace was incredibly supportive covering nearly all our expenses and being most compassionate during this very difficult time. We highly recommend them.

Embrace pays claims in an orderly manner ONCE they understand the information given them. They repeatedly asked for a diagnosis from my vet and me when the information was already given. Their Customer Service was very professional, polite and helpful once I got through. Overall, they are good but need to work on their review of the claims submitted.

Going thru an appeal on a claim. Was shocked to also learn that because I called my vet months ago- embrace retriggered a pre-existing condition. For another year.. even thought we’ve had NO issues for 15 months.

Website is easy to use and it's quick to address a claim with upload a simple matter from a PDF scan.

Embrace offers good products, but one has to stay alert to make sure they reimburse for qualified services. It seems that claims adjusters make arbitrary decisions about whether to pay or not. I submitted a claim to use wellness rewards for my pet’s recent annual physical. The adjuster changed my claim to an accident/illness insurance claim and initially didn’t cover anything and said my claim amount would pay toward the annual insurance deductible ( there is no deductible for wellness (preventative health services.) I disputed this and the adjuster changed the decision and covered my claim in full. It was a straight forward wellness claim that took over a week to resolve. One has to know the Embrace policies and be diligent about how they process your claims. My premium just went up by $50 per month, with no explanation, so I need to contact them again about this. I’ve read that they increase premiums as the pet ages, and my cat is 8 years old, which is not that old for a healthy, spayed indoor cat. I may not keep this insurance, and am currently considering decreasing coverage at the very least. I mainly took out this insurance because it offers dental insurance for my younger cat that has chronic dental issues.