Embrace | Pet Insurance Review

After rescuing our dog in March 2024 we chose to invest in pet insurance to defray veterinary costs. We chose Embrace Insurance, what a mistake we now much regret. The cost 66.00 a month for our rescue of 7 years old with a 250.00 deductible per year with No Wellness visits included. Pre-existing conditions not covered which we fully understood, apparently everything imaginable is a pre-existing condition as we were not reimbursed a single cent for any of the claims we submitted. We received a notice that our monthly bill would rise in April 2025 to 112.00 per month, almost doubled because she is now a year older. Beware Embrace Insurance is not worth the money we lost nearly 800.00 in 1 year and we are letting you know this so you don’t lose out too.

I wish my health insurance was this good. I got my pup Embrace pet insurance three years ago when he was about three months old. I haven't had any serious dog problems (knock wood) but every time I submit a claim, I am reimbursed, or provided with a valid reason why not, within 48 hours. They don't cover everything as much I would like (who does) but they are not sneaky about what is and is not covered and they don't make you request reimbursement three times before sending the check (I'm talkin to you fepblue.org).

Chief's claims are consistently denied or not paid correctly. His chronic ear infections and skin allergies were deemed to be pre-existing, which Embrace would have never even known had I not provided his vet records prior to me even rescuing or owning him. Ever since, if there is any mention of an ear re-check, the rest of the claim, like dental cleaning, is not paid in full or correctly.

I have had Embrace Insurance for several years, I have submitted several claims but have yet to see a check. Embrace claims the vet is not providing the proper paperwork but has not explained to me what exact paperwork I need. Don't know what else to do about my max. Been a member @USAA for more than 40 years. Have never had such deplorable service.

I’ve used Embrace for my dog for about 10 years. Always easy to submit claims right through their app! Very happy that we received about 80% refund on most claims. My yorkie had many health issues and always was going to the vet or eye doctor. Submitted claims and received refunds quickly! Sad to say my baby passed away recently. But I will use Embrace again if I ever get another dog. Thank you