Embrace | Pet Insurance Review

Do not use Embrace!! We got Howie his policy when he was under a year old. He was taken to a vet school to be neutered, gastropexy and repair of an umbilical hernia. While he was under sedation his hips were x rayed. The report states that there are no signs of hip dysplasia. In eight years we have never filed a claim for his hips. On October 1 2021 he was diagnosed with osteoarthritis. Embrace denied the claim. We appealed the decision along with documentation from our vet that it was due to age and he has nothing in his records concerning hip dysplasia. The appeal was denied. I called and asked to speak with someone and was told no one was available. We have paid approximately $16,000 for this policy and now that he is getting older they deny a claim. I cancelled immediately. They will gladly take your money and then deny claims as your dog ages.

Embrace Pet Insurance was over the top with professional knowledge, help, compassion and understanding during this difficult time for Bella and myself.

A friend of mine told me about pet insurance so I began looking into it. I have two dogs, so cost/value was a valid concern. I imagined an accident or something dents related would be the only real reason for a costly vet visit so I was hesitant. After coming to the realization that my dogs are basically my kids I really should have them insured. Never in my wildest dreams did I know what I was in store for. My little one and the baby of the family Penny, ended up being diagnosed with Lymphoma and given a very grim life expectancy. My heart was absolutely broken. She was referred to a specialist for treatment whereas the options were only two. Pay for chemo or … I don’t even want to think about the 2nd option. If she wasn’t insured though, I don’t think I could’ve ever pulled off cancer treatments. So albeit still a hefty price to pay all around her tagline for life has coined the phrase “worth every Penny” as she’s still here, thriving and playing with her sister. To note the processes as a client of Embrace, they are fabulous. The phone app is as easy as making a cup of coffee. Whenever I’ve needed assistance they’ve been there to help and all of the reimbursements are sent without delay. It’s honestly awesome. Thank you Embrace. We are “fur_ever fans!”

Horrible onboarding and claims process. I have 2 labs and the price of insurance was high even though they were puppies when I started the plan. It took months and months to even onboard them because they kept asking for information of their medical history, including “doctor’s notes”, which my vet didn’t even understand what they wanted. They sent everything over and over again. Yet it kept being delayed because they were waiting on information of some sort. Embrace will happily let it sit forever unresolved, stating that you can try to get the info on their behalf. Well that would be nice if I knew what they needed. They finally onboarded me after months of fighting, with “pre-existing conditions” that didn’t actually exist. Fast forward 4 years. Upon filing my first medical claim, it’s been placed on hold pending additional medical information from the 12 month period prior to my on boarding. What?!? Embrace drags their feet until you finally give up. Their website states a diminishing deductible for each year of no claims. I’ve never seen that happen. Additionally if you alter your plan to add coverage they will happily oblige. What they do not tell you is if you reduce it back down you will be subjected to the new patient policy - along with initial waiting period and evaluation of pre-existing conditions. A huge expense and enormous hassle for little or no return. You are better off saving money each month yourself for your pets’ needs.

This is our second Lab that we have insured with Embrace. The cost is reasonable for what we receive. All of our claims have been covered quickly with no disputing. Totally worth it!