Embrace | Pet Insurance Review

I adopted a senior dog when he was 9 and ended up switching insurance to Embrace early on because their rate was super competitive. That choice came with a bunch of other perks. The submission process was simple. The reimbursement criteria was clear. Any staff I dealt with were super helpful. The last 2.5 years of my dog's life were a lot, medically speaking. He beat lymphoma and lived a really long time with kidney disease (with a bladder stone removal surgery in the middle!) And because I had this insurance, I never had to make a decision where money was a factor in whether I could help my dog continue his fight to keep living. My only criticism is that their app and upload technology have become increasingly difficult to work with. I can't even use the app to submit a claim without it crashing. I would strongly encourage them to allocate some resources to improving this essential piece of their infrastructure.

Most insurance is the same, similar costs and similar coverage. What makes a provider stand out is how they treat you. If you call Embrace you will speak to a person within minutes and they will be kind and helpful. When you make a claim you'll get a response within days and the payment then or soon after. Some other place may have a slightly cheaper rate but no where else has this level of customer service!

The insurance is okay. Verify you have the correct zip code with them. Mine went unverified for a year and I called to quote adding another dog and because my zip code was wrong my rate went up $16 per month.

Customer service is quick to answer calls, very polite. Process claims quickly for reimbursement.

Very insightful and helpful customer service. Prompt and constant updates have helped make the claims process seamless and not cumbersome. Highly recommend.