Love Embrace and would recommend

Out of 10

I like everything about Embrace except one thing, choose a plan you will stick with forever, because if you don't and you want to change the % coverage or $ deductible, the entire plan you have would consider existing conditions if you had claimed anything.
Otherwise, everything is great. Service is prompt, I email all my claims via email and it's direct deposited into my bank account within a week. They review claims in about 5 business days.

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Skin problem


Claim Amount
$100 - $500

Shetland Sheepdog

Age of Pet
1 - 8

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Posted: 12/18/2014

Judicious, thank you for your thoughtful comments. You are right that if you want to increase your coverage (like decreasing your deductible or increasing your annual maximum), you restart your policy but if you want to decrease your coverage, there's no problem with that. So I always recommend you get the maximum coverage you can and if over time the premiums increase beyond where you would like them to be, you can decrease the coverage to get the premiums to where you want them to be.

Posted: 01/03/2015

Thinking of using Embrace, used to have Purina, which was great. The comment about if you change plans anything prior is considered pre-existing is making me hesitant about this plan.