Embrace | Pet Insurance Review

Honestly, a headache that didn't need to occur. I have had embrace for probably 10 years. I have 3 dogs on my plan. My dog accidentally got a laceration that needed stitches. I put the claim in and got a response that they needed my dogs medical history for 12 months prior to signing up with embrace. So ridiculous as this has nothing to do with his health. They also should already have all this info anyhow. I was told this was policy. They should Honestly refund all the money I paid into this policy for 10+years. Shame on Embrace. Would definitely not recommend at this point. Another stupid way to inconvenience people!!

I can’t say enough good things about Embrace. Without your help, we could never have afforded the extensive treatments and medications for our dear sweet kitty over this past year. Each and every person I have spoken to at Embrace has been professional, kind, and compassionate. I sing your praises to all the pet parents I know. Thank you and God bless you.

I’ve had Embrace for my two Italian Greyhounds for two years. I have had a great experience. They approve pretty quickly and it only takes a couple of days to get the money back into my account. Overall, wonderful experience

I have another dog with different insurance and getting onboarded and getting claims paid are easy and fast. We had a claim in July and it is just getting paid in October. So much work for our vet and myself. Thought USAA affiliate would be better it has not been easy. Price is okay.

Embrace excludes pre-existing conditions, as do other insurances. This works against the efforts of the greater society to see to it that shelter dogs and older dogs are adopted. There is no option to pay a higher premium to include pre-existing conditions. More importantly, as near as I can tell, there is NO downward adjustment of premiums to offset the exclusion of pre-existing conditions. Premiums have been steadily increasing at about 20% a year, rapidly putting pet insurance out of the reach of all pet parents except for those who don't really need it. That being said, this was my first time filing claims in 3 years, since I rarely meet the deductible. I filed a year's worth of claims in one day. They were all processed within 48 hours. Staff is friendly, except for when you call to rant about the increase in the cost of premiums. Yes, my furbaby has a recent cancer diagnosis, and Embrace will do nothing to help. With all the money they are raking in, you'd think they'd find a way to offer small grants to those of us who are being denied coverage due to pre-existing conditions. What was the pre-existing condition? A drained cyst.