Embrace | Pet Insurance Review

The monthly payments for my cat were a lot less than I expected considering how few people I know have pet insurance. Having this insurance has been really helpful for my cat because she came to us with poor health and has needed a few vet visits. The insurance became VERY helpful when it came to an urgent care visit. Since being insured through Embrace, I have now recommended other pet owners also get insurance.

I submitted my first receipt and received confirmation. So far, so good

Embrace Pet Insurance has been a hit or miss in all my claims. The underwriters seemed to have their decisions out of their playbook. Nothing seemed to be standard. My claims are under the sickness category and, at times, are approved and covered. Other times, they are rejected with a decision of pre-existing condition under "vast and vague" clinical signs, which are both under the "same diagnosis." Their claim decisions are nonsensical in approving and denying the same diagnosis. I have made an appeal that brought me nightmare experiences for them ever to recognize that my claim is "partly" wrongfully rejected. Embrace underwriters ignore state laws, unfortunately.

Filing claim is easy and straight forward and easy.

I am a certified Vet Tech and teacher of Vet Practice Management, I welcomed Embrace sales reps into my classes to educate my students of on pet insurance to decrease financial euthanasia.I have always been an advocate for pet insurance until my last policy renewal.My policy increased over $500 a year or over $40 a month. The reason given- your pet is 10 and has been enrolled with us for years! I never had a claim until she was 8 years old. Her bloodwork is paid for by my hospital and many exams were no charge. In the future I will not recommend Embrace. The pet insurance that is suppose to support pet parents and pet care is becoming a financial burden.