Embrace | Pet Insurance Review

We never had a pet before, but knew that once our little dog came into our lives, he was a member of the family. With Embrace, we are able to take care of him and address any health issues right away rather than waiting to see what develops. The follow-through and professionalism of the Embrace staff is amazing.I have recommended Embrace to my family and friends. Keep up the great job!

We've had this policy for the past 4 years, since her other policy wouldn't cover her after she turned 10, even though we'd had their policy for 8 years! With the other policy every time we had a claim they used the diagnosis to put a rider on the next year's claim so that it wouldn't be covered again. This plan has paid for all claims, subject to $50 deductible per incident and then 90% payable. They have paid fast and never questioned any claim. I highly recommend them since they pay 90% of the vet's fee, not 90% of the U & C.

When I adopted my puppy, he had a bacterial skin infection known as Pyoderma, which Embrace did not cover as it was pre-existing. Fine. 9 months later, my dog began to lick his paws, which the vet determined was due to allergies. Since both pyoderma and allergies share a symptom- itchy skin- Embrace has denied my claim for allergies and is saying that it's a "pre-existing condition" even though my dog was never previously diagnosed with or treated for allergies. It's absolutely ridiculous, I couldn't be more displeased or dissatisfied- they took over 2 weeks to respond to my claim and didn't even do their homework regarding my dog's previous conditions. BE FOREWARNED- all that glitters is not gold, and Embrace DOES NOT deliver what they promise.

Not happy with my $120 rate increase. My 3yo GSD had no major health issues last year (we made 1 claim that ate up our deductible, so we never even tapped into the insurer's money). For the same exact plan today our premium went from $420 to $587/yr. Not acceptable. Embrace never notified me to warn me that my policy was coming up for renewal, either. Had I not asked, they were going to automatically renew & bill my CC at the new rate. WTF is that all about? I called them and spoke to a rep to ask about the rate increase. He had no real answer, and mentioned something about a "book of business" as a premium model....or something like that. When pressed, he mentioned something about basing my premium on other dogs claims. So...now my premium increase has nothing to actually do with MY dog? Dead silence on the other end of the line. I immediately canceled my policy. The customer service doesn't seem to really have a clue as to what they are doing, and I need a company that's got it's shit together when it comes to the health and well being of both my dog and my wallet.

I had my first claim and everyone has been very nice - good communication through email and if there's a problem they will respond back within one day. I'm waiting for my first check and they said I should receive it in 10 days. So far so good!