Embrace | Pet Insurance Review

My cat had an unusual series of diagnostic tests in the past year and Embrace has reimbursed me the expected amount every time, no questions asked. I work in an animal hospital and have seen our clients struggle with other pet insurance companies; their claims are denied for stupid reasons and they are given the run-around. I have not had this experience with Embrace. My cat visited a cardiologist and an oncologist this year (both very expensive) and Embrace paid me without even requesting vet records, which I was more than happy to send. It was a stressful time for me, thinking that my beloved kitty was sick, but Embrace helped me focus on Lola and not on the expense. Thank you!

good service. good value

In short this insurance is misleading especially if your like me and adopted your pet from a shelter or rescue agency. They accepted my application and billed me monthly for almost a year before I submitted my first claim. My claim was denied because they stated they never received his veterinary records going back 12 months. When I applied for his insurance and was accepted I conveyed to them that I don't have this information due to my dog was a stray. They are now refusing to refund the money that I paid them in that time period. To say I was mislead is an understatement. I paid monthly, they accepted my payment and in return my dog was never really insured. I am truly disheartened by this experience and would not recommend this insurance to anyone at all.

I signed LisaJoy up for Embrace Pet Insurance in late October when I made her a permanent member of the family. She is dog #6 who I have "Embraced." In early December, when she was just 11.5 months old, I experienced the most horrifying experience of my life when her throat and tongue swelled rapidly due to a hematoma (internal bleeding.) The hematoma got so big it cut off her airway! I rushed her to my local vet, less than a mile away. They were able to do an emergency tracheotomy to re-establish her airway, and then referred me to the Emergency vet an hour away. From there, they sent me to the specialist hospital, Tufts University, 3 hours away. Throughout each step of this terrifying process, I was able to focus solely on my puppy and getting her the care she needed in order to survive, because I knew Embrace would be behind me 100% to help on the financial end of things. Sure enough, the claims process was simple and straightforward, the representatives were courteous and helpful, and the claim was processed very quickly, even over the holidays.

Renewed my dog's Wellness Policy for another year because they have proven to reimburse quickly. I have not had any problems in 4 years. Sad the Dental is no longer a part of the Wellness.