Embrace | Pet Insurance Review

Embrace online portal is easy to use to upload medical invoices and records and was very quick reimbursing payments for my pup's medical treatment. Reassuring having insurance when caught off guard by a cancer diagnosis for our therapy pup.

Ease of Submission

We are so glad we had Embrace Pet Insurance for our Dear Rosy, who unfortunately passed away November 1st. We could not have gotten the expensive treatment she needed prior to her death w/out this insurance.

Right after we signed up we kept getting these emails to send over our pet’s medical records. Several times I spoke to Embrace representatives and explained that we had just gotten a 3 month old puppy and he had his first round of shots at Petco and all the reps said ok no problem. Fast forward to about a month later when our puppy developed a skin condition and we had to go to the vet and then was told that Embrace would not cover this because they’re using this vet visit as a baseline and our puppy’s skin condition is now considered a pre existing condition. Last time I spoke to an Embrace representative I was told we were supposed to have our puppy checked out by a vet within 10 days of getting him. If by send us your dog’s medical records you meant take him to the vet within this amount of time to get a clean bill of health then say so because as a new pet parent it’s not common knowledge. And now we’re stuck dealing with our puppy’s skin condition on our own because Embrace doesn’t want to cover it or take responsibility for not explaining this properly.

The staff was very helpful and helped me I couldn't afford the deductibles