Embrace | Pet Insurance Review

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

I can't speak to other pet insurance companies' practices, as I've never used them. I can say, though, that my experience with Embrace has been really very pleasant, with fast turnaround times on claims and good communication to keep me informed of every step of the process. They've been very helpful, often asking the vet to fax add'l info to them when needed, rather than having me do it. Claims are paid at 80% after the yearly deductible, and the wait time for check-in-hand is only about 2 weeks from initial claim submission. I've had human health insurance claims that took longer! I'm a very pleased customer and would recommend Embrace to anyone.

Becoming a member if the Embrace Pet Insurance was a good idea. Claims are processed fairly and in a very timely manner. I recommend Embrace to anyone looking for a pet insurance company.

It's my first time with pet insurance and after many trips to the vet I decided to buy embrace ins. I am very pleased with the company and the claims are processed quickly. When my yellow lab was diagnosed with elbow problems,I am very glad to have some insurance to help her. I would recommend embrace to anyone who has pets.They also keep in touch by email which is helpful. It's a good company.Thank you Embrace.