Embrace | Pet Insurance Review

We have been very pleased with Embrace. We’ve had quick responses and reimbursement. Vet charges have sky rocketing as vet practices have adjusted to their higher costs. Pet insurance is needed and this one does the job.

Filing a claim was very easy and I received a prompt response. Deposits via direct deposit are quick. Thanks

So far it’s been okay. Our first couple of claims kept getting denied for false preexisting conditions but after we appealed and had our vets explain that Embrace was wrong in denying it. Embrace finally accepted the claim and gave us a refund. Seems to be great but you have to make sure your notes from the vet are perfect and make sure Embrace doesn’t just deny your claim for a dumb reason.

We have two pets with Embrace. A senior dog and a less than two-year dog. The lesson I'm learning with our senior dog is it seems like every claim is tied to a pre-existing condition and the claims are denied. The response I get from the adjuster tells me I could go back to my vet for additional information if I feel the claim is not justified. It seems to me that if there was a possibility of a loophole or missed diagnosis the insurance company could reach back to vet for additional information. I would not know what to ask for whereas the insurance company could speak directly to the vet knowing exactly what other information may be available to possibly honor the claim. I question myself if pet insurance has value for the price paid on senior pets (dogs in this case).

I feel it’s really sad that my puppy needs get violently ill or die before the insurance will pay for his surgery. My puppy NEEDS to be neutered because his testicle never dropped which causes severe problems.