Embrace | Pet Insurance Review

Absolutely horrible company, claiming vomiting and diarrhea are pre-existing conditions regardless of the reason and any future claims for the next 12 months will be denied if they involve vomiting and diarrhea. Language from Embrace included: "A pre-existing condition can be a clinical sign of an actual diagnosed condition; however, we do not need an actual diagnosis for a clinical sign in order for it to be pre-existing." What? Clearly stating they do not need an actual diagnosis to deny a claim. Vomiting and diarrhea are symptoms, not pre-existing conditions, and can be caused by any number of diseases, incidents, etc. To arbitrarily deny any future claims regardless of the reason is absurd. This company has earned its reputation for baseless declines and I strongly recommend finding another insurer. In addition, very poor customer service with adjusters that have no direct lines...it's impossible to get in touch with anyone, let alone the same person.

Very happy with this service! Having insurance with Embrace has saved me so much money. I’m very impressed.

Profoundly dissappointed with the claims I have filed now over 2 months ago. Learned that Embrace was needing clarification from my Vet. I called Smiths Vetinary Hospital in Santa Fe, which is a reputable and well know long time vetinary. I let them know that Embrace had sent requests to them and they had not responded. While I was on the phone with Smiths, they emailed my felines entire medical records 3 weeks ago. USAA should reconsider who they recommend. I regret having dropped Nationwide Pet Insurance.

Ashley was very hekpful and sent me the information to submit my clain manually, but the claim forms will not open (get and OOPS from Embrace online) and I still cannot add a pet to my current claim online - please have your tech folks look into that!

My cat had a emergency event and had to take to animal hospital. I filed a claim and at first thought I was getting the run around for reimbursement not knowing how pet insurance worked. Well it took 2 months with all documentation as a first time claim. I am happy to say that embrace lived up to it's promise and paid the claim. Thank you very much for your service.