Embrace | Pet Insurance Review

Everything is a pre existing condition. When I first got the dog she had mange. Now every skin condition is excluded, even eyes and ears. She’s overweight, so anything related to being overweight that comes up in the future is excluded. Simply put, they wiggle out of paying claims. Had it for over a year, not one cent paid on claims.

my first experience was pretty good. My first submission took quite a bit, but I guess this is normal all in all was pretty good service.

Love this company. Ease of claim and fast response.

Not no, but heck no…It’s a typical insurance scam and they got me. You pay and pay and then when you need it they deny you for a technicality… “ your dog has 4 legs not five it’s not covered”! I do not recommend!

I originally got insurance when a friends dog was in a freak accident requiring an $15,000 surgery. She didn’t have insurance and it took an huge toll on her finances. I decided to set my dogs up for insurance and after comparing companies was able to find awesome coverage for my two dogs that was $85 a month COMBINED. Never once made a claim. Happily paid my premiums. I even sought vet care for a minor emergency and didn’t file a claim because the cost at the vet was under $600 and I didn’t want to raise my premium for a true non emergency. Well my policy was set to renew next month and my premium was going to be raised by $40 a MONTH for my dogs. They won’t let you cancel online or through app so you have to call and sit on hold. The representative I spoke to was very nice and offered some other options to lower my monthly price but the coverage was minimal and the deductible was high. The point of insurance is to cover major emergencies and at the end of the day I just can’t justify $120 a month for two healthy pups when that doesn’t even cover basic wellness exams, prescription costs, exam fees, or preventative care.