Embrace | Pet Insurance Review

I am delighted to submit my honest review of my experience with Embrace Pet Insurance! I rescued the sweetest male dog, Clooney in June 2024. I took Clooney to my vet to make sure he healthy. Dr. Eric said he was healthy. I won the genetic lottery! We bonded instantly! I had prepared for him by buying a doggy bundle of squeaky toys and toss ropes which were an immediate hit. Since I had had dogs all my life, I had prepared a crate for him as I wanted to restrict his "run of the house" until I was assured he had no accidents. After I felt comfortable that he was a good little doggy, I allowed him to sleep with me in my bed. Clooney slept peacefully, curled up beside me. About 2 weeks after I rescued him, I awakened to find that Clooney had chewed open a child-proof plastic bottle of Aleve..there were pills scattered on my bedroom carpet, some partially eaten. I found bloody vomit and bloody diarrhea. I immediately rushed him to VEG (Veterinary Emergency Group. Clooney was admitted on the 19th of June , put on IV, given medication through I.V. and released on June 21st. I sent claim to Embrace insurance, attaching all invoices. Embrace told me a first claim takes longer to process so I waited. And waited. When I checked status on Embrace website, it said Clooney had vomiting and diarrhea. I was horrified. A week ago, I happened across a " "claim story" posted on Embrace Pet Insurance website entitled: Labrador Retriever Eats Ibuprophen. I was stunned! It was my story as well. I reread story. It was written by EMBRACE CLAIMS ADJUSTER. This was a conflict of interest. Why was her claim paid and mine denied? I called Embrace and asked for a claim's adjuster named Alyssa T. No such person existed. The story was fake. I read the claim story aloud over a recorded line, and emphasized that it was bogus and demanded that my claim be paid a.s.a.p.! Then the call was suddenly disconnected. An hour later, I got a call back. The person said that there had been a mistake and they were in the process of correcting the original reason for denial from vomiting and diarrhea to "toxic ingestion" or from illness (not covered) to accident (covered). I have called Embrace several times and they have not paid my claim. The last call was Tuesday, September 10th. I was told that my bank rejected the payment because of an incorrect account number--- yet Embrace has been able to withdraw monthly payment without problem, Again, Embrace Insurance Company always has an excuse for non-payment, dropped calls, and foot dragging. The "accident claim story" represents a conflict of interest, it is bogus, and Trustpilot has yet to confront this BAD FAITH pet insurer for its misuse of their rules for commercial profit. Clooney is fine. Embrace --not so much. Embrace acts with lightening speed to respond to my TRUST PILOT story-- but this business continues only to offer apologies for mistakes made in diagnoses, payment errors, downed lines, hurricanes. In the meantime, I am an 81 yr old lady with a disability living on social security and, because of these "mistakes", "errors" and foot-dragging on the part of Embrace Pet Insurance- (connected with GEICO) Insurance by-the way") is causing me financial problems and high interest rates on credit cards used to pay for my dog's accident. The policy coverage for accidents is two days. They have exceeded reimbursement for over 70 days. And I thought Trustpilot did NOT allow employees of reviewed insurance companies to post "stories". There is something very wrong with this picture. I'm owed $3700+ , am struggling, and all Embrace does is make excuses. If I made similar errors and excuses I'd either be fired or put out of business. Apologies do not put food on my table or pay for my medications. Again-- THEY HAVE ZERO PROBLEM DEBITING MY BANK ACCOUNT...BUT HAVE PROBLEM DEPOSITING MONEY DUE ME. Embrace Pet Insurance is not to be trusted. They should be ashamed. Today I was told it would take 15 MORE DAYS to process my refund. That's shy of 90 days for an event that was reimbursable in two days. Embrace is terrible. A complete sham. 90 Days......? They responded to this posting in MINUTES. THAT speaks volumes.Don't be fooled....I'll let you know when my claim is reimbursed...Hopefully- within my lifetime.

We have paid this company $10,000 over 3 years for our two dachshunds and have gotten $100 back (possibly for gas running the dogs back and forth). Sign up with these people at your own peril.

Premiums just go up and up and when I actually needed it, they said they would not cover an actual sick visits as the Dr. listed it as an "exam" and said that "exams" are not covered... how would a doctor diagnose what turned out to be a immune issue with "examining" my dog?

I have not had to use it yet, but they were so helpful in explaining all of the different plans, and just so nice. Also, the prices are competitive with other plans.

My claim was paid promptly with no problems. Customer service is great...very helpful and answered all my questions. Thank you so much!