Embrace | Pet Insurance Review

I have been a customer of Embrace for a little over a year and have been very happy with the service. Not only are they very prompt with getting claims processed, but they have always found funds covered by my insurance! I'm so glad my dog is covered.

Having this insurance has provided me with the peace of mind and confidence needed to totally enjoy my pets. I love doing things with my 3 goldendoodles and they go everywhere with me. I am very cautious about where they go and they are very well behaved, however, they are dogs and love to get into things. Knowing that if any of them would have an accident or medical problem gives me the confidence and reassurance to relax and enjoy them.

Very clear instructions and timely responses by customer service and the claims department. A very smooth process.

This was my first experience with Embrace. I was skeptical about how they would actually pay out on the claim. OMG! I submitted my "wellness" claim and a week later the entire claim was direct deposited into my account. Could not have been easier! Had the vet fax over the notes from visit, with a receipt - done! Customer service is wonderful! Yippee! So happy I went with Embrace - thank you!

Our puppy has struggled with severe bouts of diarrhea on and off for several months. As such, we have needed to run several diagnostic tests, and considered an endoscopic procedure or a biopsy of his large intestine to find the root of the problem. However, these problems started well after the 2 week waiting period for our insurance to take effect. Unfortunately, during one of his routine vaccinations within this 2 week waiting period, our vet noted "occasional soft stool." Despite this note, no tests were run as it was not a matter of concern and a test had been done for parasites just a week prior, which had turned up negative. Embrace has not reimbursed us for ANY of our puppy's tests since his stomach problems began, stating that the "occasional soft stool" was a "pre-existing condition." Our vet was nice enough to write a letter explaining that his subsequent stomach problems were not related to the note about soft stool, however, our appeal was denied. Everyone I have dealt with at this company has been extremely unhelpful and unapologetic. They will go to great lengths to find a reason to deny a claim and I would highly recommend looking elsewhere when considering insurance for your pet.