Embrace | Pet Insurance Review

I’d love to give them a zero star. Already canceled my pet insurance with them. They will take any little note on your dogs history and turn it into a “pre exciting” condition so they don’t pay for anything. They have linked any little thing that they could to a note that one vet said 5 years ago and now no matter what happens to the dog they will link it to that and not pay for anything so really all they are doing is getting paid each month but not helping you when you need to claim something. So far I’ve seen three vets and non have said anything good about this company. Terrible experience please go somewhere else. Ask you vet for who they recommend and I bet you they will NEVER say embrace

I like this provider because: IN MY EXPERIENCE Most of the time the program or app is easy to use and understand. SERVICE DRAW BACKS or PROBLEMS: Reimbursements are sometimes slow from this provider.

If I could give zero stars I honestly would. The coverage for what you pay is TERRIBLE. I mostly cancelled because of the lack of regular vet visit and preexisting conditions coverage (which is standard for pet insurance), however, in the process I learned that for the SAME PRICE, I signed my two dogs up with Spot for DOUBLE the coverage for the SAME price as the bad coverage by Embrace. Don’t sign up for Pumpkin either, they’re sister companies. Spot is the way to go. I suggest reading other reviews! Also, the customer service rep was super nice until I canceled and then she was short and rude.

Fast response, fast proccess. They seem to go above and beyond. Great job.

Horrible experience. Lost a lot of money that I can't afford due to their ridiculous pre-existing conditions policy. For example, I had a check-up scheduled for after the waiting period. During the check-up, I mentioned a couple of things off the top of my head such as i noticed increased thirst and guessed "a couple days ago" which was documented as a day before coverage went into effect. So, after waiting over 5 months, they come back and determine NOTHING in the check up was covered due to that. and EVERYTHING remotely related to everything at that visit was to be considered 'pre-existing'. Also, he had a slight yeast ear infection the month prior to coverage. He got a bacterial hot spot while at the beach 6 months later on his ruff area and this was considered pre-existing bc ear and his neck are both skin and no skin-related issues are to be covered bc of ear infection