Embrace | Pet Insurance Review

We have two pets with Embrace. A senior dog and a less than two-year dog. The lesson I'm learning with our senior dog is it seems like every claim is tied to a pre-existing condition and the claims are denied. The response I get from the adjuster tells me I could go back to my vet for additional information if I feel the claim is not justified. It seems to me that if there was a possibility of a loophole or missed diagnosis the insurance company could reach back to vet for additional information. I would not know what to ask for whereas the insurance company could speak directly to the vet knowing exactly what other information may be available to possibly honor the claim. I question myself if pet insurance has value for the price paid on senior pets (dogs in this case).

I feel it’s really sad that my puppy needs get violently ill or die before the insurance will pay for his surgery. My puppy NEEDS to be neutered because his testicle never dropped which causes severe problems.

the two ladies I spoke with from Embrace Insurance were knowledgeable and courteous. And they helped me get to the website and submit my claim. I want to thank both of them.

I have not had to submit a claim thank goodness but did need help with my account and adding on a new pup. Tyler the rep that helped me was friendly, fast, and efficient. Thank you for access to a live person. My issue would have been frustrating to try and fix using AI chat bots.

I will never recommend Embrace to anyone! Delay Delay Delay. You kept saying you needed medical records when our providers sent them 3x! Then you denied claims that should have been covered under our policy. and then, our premiums almost doubled after a year!