Embrace | Pet Insurance Review

Always a pleasure utilizing the Embrace claims process. Also, I wanted to thank Charles for patiently explaining the Wellness Benefit Coverage to me today. I didn’t realize just how comprehensive the coverage is - from annual physicals to grooming to flea & tick meds to heart worm meds.

Just renewed our policy! Very happy with Embrace!

I initially signed up for Embrace Pet Insurance, starting with a monthly of $37, which later increased to an astonishing $178 per month. I wanted peace of mind, knowing that my dog would be covered in case of a serious illness. Unfortunately, when the time came to file a claim, Embrace denied it, citing a “pre-existing condition.” My dog was healthy at the time I purchased the policy, which my veterinarian can confirm, yet Embrace insists that her later-diagnosed tumors are connected to a condition supposedly present before coverage, without providing any concrete evidence. Based on numerous previous reviews, it seems I’m not alone in this experience. Embrace appears to use the same “pre-existing condition” reasoning to deny many claims, raising serious concerns about the fairness and transparency of their insurance practices. My dog is no longer with us, yet I still have to deal with this, and it deeply upsets me. Embrace, please don’t waste time responding to this review if it’s only to add yet another standard paragraph about my pet’s “pre-existing condition.” The pattern is clear.

Claim submission is clear and easy. Response is timely. Very pleased with Embrace.

Embrace has been a LIFESAVER. We have 4 (soon to be 5) cats - all of them have some kind of medical issue, and thank goodness we got them all insurance when they were kittens before anything had happened. Embrace has been so wonderful to work with (and way better than human health insurance companies).