Embrace | Pet Insurance Review

Very easy to enroll difficult to collect on. In over yrs I had one claim and they kept finding reasons to not pay it. That was until it was time to renew and I received a courtesy call asking if I was going to renew. I explained I was not impressed w their claims department. Then instantly my claim was ‘approved’. Policies also get very expensive as the pet gets older.

They have been great insurance for my Yorkies with quick reimbursement and explanations of what is or isn’t covered. Telephone support has been great as well.

Really exceptional customer service every single time

I have this policy for my two dogs since they were puppies for four years. One dog named Finn had a hole in his face in his cheek and we were trying to treat it with antibiotics for over a year finally in September 2025 he had to have surgery because he had an abscess that was from a tooth And two teeth had to be removed and he was given antibiotics and a few other medicines to clear the hole in his face. When I submitted the claim, they said it wasn't covered because it's routine dental work cleaning the teeth. No he didn't have routine dental work. He had a hole in his face from an abscess and the bill was $386.70 and they refused to pay it. I even went back a second time to the vet to have him send the notes besides an itemized bill saying that it was an abscess and what had to be done. They close the case and said it was cosmetic or wellness. No it wasn't so after two months fighting with them back-and-forth. I called again on December 17 and said that I wanted to cancel the policy because they did not pay a $300 claim when I already paid over $5000 in premiums. The man on the phone said that he would have the adjuster whose name was Reagan reach back out to the vet and talk to them and try to get the claim covered. Well, now it's January 7 And nothing was done so today I called and canceled the insurance. I wouldn't recommend them to anybody.

Originally I have problem with my claim. After talking with them, it turned out to be a miscommunication and the claim was settled. Fair people, willing to listen. Recommend