Embrace | Pet Insurance Review

I had to call Embrace to inform them of my new debit card for payment . My dog's policy is due for renewal in the next week so I had to call them with the information . The consultant was courteous and efficient . I was able to complete the transaction quickly.

I completed all intake forms and thought most of my claims would be paid. I filed some claims through their portal after five months but then had to send duplicates of invoices for another month. Then they decided I must send them my dog's health history back to a full year before I applied for coverage. After another month, they decided my dog had pre-existing conditions, all minor, and denied all but one claim, and the cost of that one came out of my deductible. So, 7 months paying premiums at $48 a month, and I'm out $350 in premiums with no coverage. Also, their communication by email is very slow and a 30 min wait time by phone. Do not recommend.

My dog had to have a portion of her tail amputated. it took some time to get a proper diagnosis and for the tail to heal properly (as in months). The accident occurred two days before the policy renewal. I submitted a claim once the dog was deemed fit and healed and it was denied because it was not within the 60 day post renewal period, even though this was an ongoing and very traumatic injury -- think blood splattered all over the house.

Quick turnaround on claim. Kept updated on the status of the claim.

My pet had just passed. When I called to cancel my policy, they told me I had to pay $600.00. They said that their contract is year to year even though I paid monthly. I am on a fixed income and that's a lot of money for me. I will never use them again with future pets