Embrace | Pet Insurance Review

Embrace Pet Insurance will use ANY and ALL reasons to deny claims determining that your pet conveniently has a “pre-existing condition”. I submitted my first ever claim for a dental cleaning for my dog and my claim was denied because the Veterinarian had noted in a previous annual visit that my dog had some tarter buildup, which is extremely common in dogs and cats. But it was enough for Embrace to designate it as a pre-existing condition and deny my claims. Please AVOID using this company to insure your pet. They are a massive rip-off and you will end up paying out of pocket for any procedures.

This process is so easy to submit. I love that you can go back upon reviewing if you see that something doesn't look right. Submitting a claim could not be easier.

Polite, helpful, fair, honest folks. Dan Riordan

The timeliness of settlements is standard yet the settlements are not explained on the nature of it and why.

This October, I submitted a claim about hoarse voice for my cat. They refused my claim and stated my cat had eye discharge last November according to the medical history so they extended the preexisting condition window of upper respiratory infection. That completely makes no sense! Because last year when we took our cat to the vet and mentioned he has some eye discharge. And the vet explained to us he was newly adopted, and there might be many possible reasons for that such as new environment or new food, no need to treat and the cat was in good condition. However, the claim adjuster made the decision only because of the eye discharge. A lot of diseases can lead to eye discharge. Will they attribute the symptom to all those diseases? Then they replied if we wanted to submit an appeal they need a statement from the vet to provide the evidence that eye discharge was not related to URI. WHAT?!!! They don't have any logic and asked us and vet to spend more time to prove ourselves. BTW, the price increased a lot for a new year