Embrace | Pet Insurance Review

Fairly easy to navigate but there were not many diagnoses to choose from.

Ease of submitting claim, reasonable response time

This insurance company actually has heart and a passion (clearly) for customer service. I can't say enough amazing things about them. They are efficient, SPEEDY payments on claims (usually same week!), thoughtful, caring, explain everything easily and the rates are great. They have literally saved my cats life, we have had to use the insurance quite a few times in the last couple of years, if it wasn't for them, there is no way I could have afforded to care for her. Now... she's 11 and in great shape! Happy, playful herself again for many years to come. THANK YOU EMBRACE for everything you, from start to finish, consistently for years!

One of the most unethical business operations is this company. They do not honor their contract, come up with any excuses to deny significant claims, and operate criminally. They’ve denied all claims ! AVOID AT ALL COSTS. They invest heavily in marketing, but check out BBB complaints against them. Furthermore, they increase premiums up to 80% after one year. Such a fraudulent operation and behave criminally and violate contracts. They should be sued!!!!! Do your best and avoid the hype with their marketing and read their REAL reviews.

Recently had our first claim with Embrace after 2 years of membership. They asked for history of vet visits which I dutifully provided, only to have them use that to deny every claim. Even though the Vet Neurology Specialist wrote a letter to Embrace stating the the reason for our claim had nothing to do with earlier visits. Additionally, they decided that because a skin tag I asked our vet to look at was too small at the time to biopsy, our dog will be denied possible future cancer care because it is a “pre-existing condition”. The skin tag has since dried up and fallen off, but makes no difference.