Embrace | Pet Insurance Review

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.

I was recently attacked by 3 dogs. My rescue pup jumped out of my car and saved my life. I then had to fight for weeks to prove that my dog's claim deserved reimbursement. He hadn't seen a vet in over a year so the illness waiting period would be an issue... but this wasn't an illness. This was an accident. The reps explained to me that they needed a full vet report to disclose his disposition, to ensure that it wasn't my dog's aggression that caused this injury. You heard that I was attacked by three 60-lb dogs, and my 30-lb, 3-legged rescue mutt saved my life, right? Like, this whole thing was an accident? And I might be dead if it weren't for my heroic dog's actions? Still, without a vet report, they couldn't honor this claim. In the 11th hour, after crying to a very understanding phone rep, I realized that my dog had a foxtail removed from the same urgent care vet that he went to after the attack. They had the full report. So fortunately, I am being awarded the claim. It's not a ton of money, but it's the principal. I had switched to Embrace from Trupanion. I NEVER had any issues with a claim from them over many years of using them for my cat. I had pleasant experiences on the phone with people but the human I was emailing with was curt and her negative tone made it hard to understand, even when she was telling me something that would help me. All I was seeking was compassion during this trying time, and my main / repeated contact over there was harsh and unkind. Embrace has a lot of making up to do, in my mind. Or I'll be searching for another insurance company soon.

They denied my claim because they just didn't want to pay out. They said my insurance didn't cover my pet surgery when it says that it does in the policy. Do not give them your business. I believe their good ratings online are paid for.