Embrace | Pet Insurance Review

Wow am I impressed with Embrace & with Jennifer the Embracer who just got back to me on my recent Wellness claim. I've never seen such fast turnaround time on claims - it's amazing. My 2 kitties both are covered under Embrace Wellness & I&A plans; the Wellness plan has been a godsend re: my kitty-girl Pepita's special dietary-food needs. And the other claims I've filed have all been handled with impressive promptness, and by such nice and caring Embracers. I *highly* recommend Embrace Pet Insurance!

This is our first experience with pet insurance, and I must say we will never be without it again! At only two years old, our yellow lab Molly started experiencing medical problems with constant UTIs and leaking urine. After a long go-round of doctors and tests, she was diagnosed with two ectopic ureters that required surgery. We were so thankful to know we could give Molly the medical care she needs and deserves because Embrace was there to help us the whole way. The bills to identify and resolve the problem (including a week long hospital stay, due to post-surgery complications) stacked up to over $7,000. Embrace came to the rescue with nearly $5,000 in refunds! They were a pleasure to work with, and although an error was made that caused a refund to be substantially less than what should have been covered, they immediately acted on my appeal and issued the remainder of the refund. Embracers are always pleasant and helpful, and keep in contact each step of the way so you know every claim is getting the attention it needs. I've recommended Embrace to all our friends and family, and can guarantee any pet we ever have will be covered!

I have only turned in 2 claims and the turn around is very impressive. The Customer Service is amazing. I lost a pet and did not have her insured and knew then that I would never have another pet with out insurance and hope and pray I don't need it. I checked many different carriers and chose Embrace not by price but the service I received while I was shopping. They answered questions I hadn't thougth to even ask and I feel that I have the best coverage for my pet, they even ask for me to send a picture of him. Happy customer!!!

Both my dog and cat have needed care since we had them insured with Embrace. They are easy to deal with, clear in coverage and helpful in getting claims processed. You feel confident that, if your pet does need care, the last thing on your mind can be the cost. Thanks for your help, Embrace!

Hi everyone, I just wanted to share my experience with you. I have an 11.5 month old puppy. We took our baby to the vet for a checkup the very first day we received him at 3 months. Our vet indicated mild crepitus. We took him back to the vet at 7 month for his ortho-wavier where the vet indicated that there are no orthopedic issues, no stiffness or lameness etc. At 11 months, our puppy started limping. We took him into the vet's office where he was diagnosis with elbow dysplasia. As parents, we rushed him into surgery the following business day. We notified Embrace of the situation. They indicated that they would not provide coverage or reimburse any claims related to his elbow dysplasia indicating that this is a pre-existing condition based on mild crepitus. We have asked for scientific evidence that mild crepitus is related to elbow dysplasia. They have not been able to do so. In addition, our vet wrote a letter indicating that the two are NOT related and that the mild crepitus was due to the fact that he is a large breed puppy with bones that were still growing. We also had another vet who performed the surgery contact Embrace and also advise them that these two conditions are not related!!! Despite the fact that these two vets are unrelated and that both advised Embrace that mild crepitus does NOT equal and is NOT a precondition to elbow dysplasia, we still received an email from Embrace’s CEO stating "Under the Terms and Conditions of your policy (see