Embrace | Pet Insurance Review

Terrible insurance. They don’t wanna pay for something as simple as the vet visit for diarrhea.

Love Embrace. I wish I would have gotten them earlier. They are quick to respond via customer service and provide a quick turn around for claims.

It took over 3 weeks to get any response or updated claim status once I submitted my claim. Apparently, they do a "medical review" when you submit your first claim in which they literally scrutinize everything in your pet's medical history. I knew pre-existing conditions were not covered; however, I didn't realize that included signs/symptoms related to that disease as well. My dog was in the hospital for 3 days for congestive heart failure and her bill was $3400. They denied the claim because there was a past notation of a heart murmur in her medical records. After reading the rest of their medical review, I was concerned about another diagnosis "polydipsia" that they listed as a pre-existing condition because it was notated in a past visit that she was drinking more water than normal. Polydipsia is associated with many diseases, notably kidney disease which is common with older pets. So now my concern is that anything kidney related will not be covered as well. When asked if it would be covered or not, she said that she couldn't answer that because it depends on what the vet says. Unless her kidney disease was due to some acute event like trauma or infection, I don't believe that it would be covered but they can't confirm that. I don't have a lot of faith in this company to provide coverage because there seems to be a lack of transparency and that they look for ways to deny claims. Unfortunately, after doing research online, there are issues with seems like all pet insurance. Either because of high premium increases, lack of customer service, denial of claims etc. For me, Spot was fantastic because my claim was approved in 2 days! But they raised the premium from $150 to $200 the following year. My advice to pet owners is to set up your own account for your pet once you get them and don't rely on insurance companies. If you deposit $100 a month in a high yield interest-bearing account at 5%, you will have almost $7000 for your pet in 5 years. It's too late for my dog because she is already 14.5 years old. But I will definitely go that route in the future.

Claim process & upload was fast and simple.

I have insurance for both of my pets and Embrace isn't the first company I've used. Submitting a claim is easy, they pay what they should. My 2 year old cat is sick and no one ever expects to deal with that. Having reliable insurance has made the experience so much easier. Now I can worry about her, instead of the money.