Embrace | Pet Insurance Review

I find that after working in healthcare it’s just what insurances do, which is take your money and do all they can do to not pay for anything. They create all kinds of loopholes to get out of paying. My dog had to have a surgery that was almost $6000 on 2/14/23. The policy was purchased 7/14/22 and there were NO pre-existing conditions regarding his Feb surgery, but during their in depth 12 month pre policy chart review, they found that Prince had a limp on 10/22/22, 3 months AFTER the policy was purchased and not ANYTIME before the policy was purchased, but they still will not pay for the surgery that he had to have 7 months after being a member! OH, and because he NOW had a problem, they will NEVER pay for a joint issue!

Submitting claims through Embrace is incredibly easy! Having pet insurance gives me peace of mind to know that finances don't need to come into question if something terrible happens.

Wonderful customer support and very knowledgeable

Communication is generally easy and they keep true to the general 15 business day turnaround. They're also friendly and helpful!

If I could give zero stars, I would. I have been given many different explanations as to what constitutes a preexisting condition, have interacted with several profoundly unhelpful claims adjusters, and been given categorically unreasonable excuses for claim denials, even after appealing and even after providing documentation from my veterinarian addressing the initial reason for denial. I have essentially paid this company for nonexistent coverage and endless frustration. I would never recommend this company to anyone.