Embrace | Pet Insurance Review

Figured they would be worth giving a shot. Premiums weren't too bad for the coverage, but the breadth of health issues not covered due to pre-existing conditions is almost criminal. My dog had a case of dermatitis. Therefore, they saw it appropriate to deny any and all coverage - until there had been a full year without any and all skin issues - for any and all ailments associated or related to the skin. It's literally the equivalent of your insurance denying you a biopsy on a suspect mole because you have dandruff. My cat was noted to have a heart murmur on the last vet visit that was suspected to be a result of untreated hyperthyroidism. As a result, they denied any and all future coverage of any and all cardiovascular related health issues. Keep in mind (despite what the apparently uninformed representative thought), non-congenital heart murmurs can be treated if caused by underlying issues such as anemia or hyperthyroidism. Despite this, even if the murmur went away with treatment for hyperthyroidism, I was told "it doesn't matter because heart murmurs are chronic conditions" which again is absolutely false depending on the context. This was only 2 months in and I hadn't even tried to submit a claim yet. Just cut my losses and moved on.

Professional, knowledgeable, friendly.

This was our first time submitting a claim. It was very easy.

I would never go with another company because embrace pet insurance is the best thing we've ever done for our puppies! They're quick and accurate with their payments and they're great to talk to if you need help.

They processed the claim in a timely manner - no questions asked.