Embrace | Pet Insurance Review

My first claim took almost 45 days while they looked for a loophole to deny the claim. After I complained they realized they had unfairly denied the claim and paid it, but they made me wait six weeks. My dog is a two-year old rescue Chihuahua. I disclosed to Embrace in November 2023 when I insured him that he was a rescue dog and his medical history was limited. Seven months into the insurance the dog was throwing up, not eating and his stomach was growling, so I took him to the vet and filed a claim. Upon review of his surrender vet intake visit, Embrace determined this was a per-existing anorexia condition because the previous foster parent had taken him to a vet 11 months earlier for not eating. He went from surrender, shelter and foster home all in one week. Find me a rescue dog that doesn't stop eating when he's moved around three times in one week. SHAME ON EMBRACE! They are out of touch with reality and it appears they hunt for loopholes to deny a justifiable claim. And forget calling them. I tried several times and the hold times are ridiculous long (easy fix - hire more reps or pay more claims). If you have a rescue dog with limited medical history this insurance is not for you. I'm truly disappointed, they are not all that they claim to be.

Highly recommend Embrace.

Embrace doesn't correspond well. Very hard to get my claim processed. 7 months. Your website is unusable to me. I have been on it several times and it is always down or never "usable ".

We've had pet insurance with two French Bulldogs. This policy was just two months old. This expensive surgery was fully covered minus the yearly deductible and 10% copay. No questions, no delay. Way better than the previous policy with first dog. There were always problems with claims.

Easy and simple to file claim