Embrace | Pet Insurance Review

My ONLY 2 complaints are : They changed their holistic coverage, its covers much less. Really not enough for what is needed. They only cover 12 acupunture OR chiro OR laser, per condition, per year. So my dog who has arthritis, can only have 6 laser & 6 accu in 1 year. Also, the cost goes WAY up when your pets gets older :( I had a 25% increase last year & a 23% increase this year. BUT, i had 27K in claims in a 9 month period, all 80% covered, a couple years back. Then another 17K in 6 months time, also all 80% covered. Thank GOD! The claims process is SUPER easy once your pet is established & each condition is in their system & my refunds come super fast.

I adopted a cat, Toast, through the local shelter and was able to provide a full health history for the Toast. Of the 3 time in a year and a half I took my cat to the vet, once for an ear infection, once for a check up, and once because of sudden and large nosebleed. I have been denied coverage, made to wait hours for answers, and told that these are preexisting conditions of Toast. What's the point of paying for insurance or having 8k over available funds if I can't use them when my cat needs them. He is literally waiting on a blood transfusion and insurance won't cover what it says in my policy it should. I am livid. I may lose my cat with available funds in my insurance watches. This is the most backwards ass company with no heart. Don't use.

Please don’t bay this insurance, you just wasting your money,, the make all excuse,, don’t bay this insurance

So I have had Embrace pet insurance for a few months now and the setup with them was very easy but obviously I won’t know if this insurance is really good until I need to use it. Unfortunately my greyhound pup had an accident and chipped two of his teeth. I had to take him to a veterinarian who specialized in dental work and he had to go under anesthesia and they were able to repair and restore his chipped teeth. I had to pay a nearly $2000 vet bill! I quickly submitted a claim by taking a picture of my receipts and doctors S.O.A.P notes and then uploaded everything using the Embrace application on my phone. The whole process took maybe 2-3 minutes and was very easy. I was updated every step of the way and within about 3 business days I got an email stating my claim was approved! They covered practically everything less my deductible and co-pay that I signed up for. And they deposited the funds directly to my bank account. This insurance is top notch! I’ve read a few of the negative reviews and all of those people are upset because their claims were denied and it’s usually because their pet had pre existing conditions and that condition got worse so it wasn’t covered, this is something they tell you up front! That’s like having a car that you crashed then you get auto insurance for it and get upset because they won’t fix the previous damage it had! Embrace has been upfront and honest and tell you EXACTLY what is and what isn’t covered BEFORE you purchase, and if you’re unsure of what is or isn’t covered just ASK before you buy! They were very helpful in explaining everything. I would highly recommend this company!

We had a terrible experience with this pet insurance. We bought it and paid $80+ monthly for over a year, only to find out that when we used it for the first time (the original vet bill was $700, this terrible insurance only reimbursed us $200). We ended up canceling and having to pay them a $150 fee because they had reimbursed us too much money! Embrace IS THE WORST PET INSURANCE. If you care about your pet and your wallet go with something else because this company is shit.