Embrace | Pet Insurance Review

They were very helpful when I called I recommend them to all my friends about their fur babies

The claims submission process is very straightforward. The customer reps have always provided exceptional service and answered all of my questions satisfactorily. The new app still needs some tweaking though as it still has a few bugs in it, but the customer service rep was aware and explained what I needed to do.

I used paid for Embrace Pet Insurance for my dog for many years but hardly ever submitted a claim. In April I submitted a claim for an emergency visit for my dog and it’s been a nightmare to get reimbursed. They claim they haven’t received information which they have. I received multiple and almost daily notices that they need clinical notes from a vet that I already told them he has not seen in years. Their portal was not allowing me to submit requested documents, because it was not working properly but they continue to send me repeated emails even after I email the info myself through the claims department. Their communication system is a mess and they are delaying my reimbursement by any means possible. I’ve been reading that they will find any “preexisting”event such as vomiting a “condition” and not reimbursement. I will update and let you know if they do the right thing and how long it takes them to do it. This experience has been very frustrating and I think they are hoping I’ll give up and stop trying to get my reimbursement.

I have had 5 dogs over the last 30 years. 3 french bulldogs. Finally purchased a policy for my french puppy. He was diagnosed 11/20/25 with boas. He had been to the vet 5 times since 9/10/2024. Vet never mentioned boas. Told me thyroid or addisons disease was causing regurgitation. Vet stuck boas in his file in 2024 without ultrasound or any imaging. Obviously to cover herself. Embrace denied every bill after that 2024 date as pre existing. I am stuck eating over 5k in bills and needing surgery that will cost 10k. It’s still typical insurance, pass the baton, point the finger and make it impossible to get a live person to appeal. Don’t waste any money if your breed has potential classic problems. Every french bulldogs can be diagnosed with stenotic nares or boas. Policy is a worthless piece of paper. Seeing my premiums are $1200 a year

I adopted a senior chi mix in 2019, and he was insured through Embrace from 2020 through 2026. Every experience I had with the company was great; all of my claims were covered, and when I needed an explanation there was a lways someone to help. The Paw Desk, a 24/7 helpline for pet parents, was a fantastic resource. Everyone I encountered at Embrace was compassionate and knowledgeable, I had to cancel my policy this week. The premiums became unaffordable at renewal. If it made sense for me to keep Embrace, I would. They have kept both of us comfortable for six years.