Embrace | Pet Insurance Review

Kyle was very helpful to us with the submission of the claim for our cat. We have been very satisfied with this company over the many years we have had this coverage.

So far all of my claims have been manipulated to fall under the categories of the 2 conditions my dog was treated for prior to having insurance. So I’ve paid $825 for insurance….& over $1k in vet bills that I am going to continue to protest . I want my new puppy to be insured but this is not encouraging me. I understand the onset would secure coverage but modifying & extracting small details from a larger condition/visit to provide reason to NOT cover is horrible business.

Most of my claims have been denied due to being labeled as pre-existing conditions. For example, last November, my kitten had diarrhea due to a Giardia infection, but the claim was rejected as pre-existing because the kitten had multiple infections after being recently adopted. In June, now a fully grown cat, it developed a Clostridium infection, again with diarrhea as a symptom. This claim was also denied, solely because diarrhea was a common symptom between the two infections and they called diahhera (a symptom) a pre existing condition. Can you imagine ? It seems like a scam stay away! Update (09/17/2024): The company responded to my negative review on Trustpilot, citing the issue of a pre-existing condition. However, I’m still unclear about the distinction they make between a pre-existing condition and symptoms of a condition. Diarrhea is a symptom, not a condition itself, and in this case, the underlying condition is not pre-existing. Yet, they fail to recognize this or have structured their policy so that if two different conditions share the same symptom, they won’t cover it. I appealed their decision 24 hours ago and have yet to receive any response.

Overall starting the claim was very simple and user friendly.

I do not recommend Embrace. After taking over a month to review my claims, Embrace denied due to "pre-existing condition". I canceled because I was worried that they would find an excuse to make everything a pre-existing condition for my 4yr old rescue dog. I will say that it was simple to cancel.