Embrace | Pet Insurance Review

CONS: Its like any insurance company... unless you fight them, they will give you the lowest possible payout... its a constant battle. PROS: Customer service is professional, helpful and most of all, AMERICAN! ((very rare)

Seems like it takes forever to get your money back. I had hoped it would be quicker. Even the animal hospital told me that they take a long time to get the claims approved and to get your money back.

Insurance premiums are rising, but don’t worry! Embrace sent me an email that we, the consumer, are in complete control. We can simply make the coverage worse and then we won’t have to pay so much. I can’t believe I didn’t think of it myself! That was sarcasm. Most recently, they have denied our pet’s care based on preexisting conditions. Our dog had a yeast infection in his ears confirmed on microscopy. He also happened to have an allergy to chicken-based food as a puppy which resulted in otitis externa. Now I am being told all dermatologic conditions are no longer covered as they are pre-existing conditions. If a dog has ANY kind of medical problem prior to obtaining coverage, then the ENTIRE SYSTEM of their body is no longer covered. Hives? Yeast? Cellulitis? Otitis externa? Otitis media? Heat rash? They are ALL not covered. The solution was simple: stop feeding him chicken. I get that if we feed him chicken, and he gets an allergic reaction, then don’t cover it! But denying an entire body system regardless of cause makes no sense medically. It makes sense financially, avoid paying out and then profit. It’s the business model for all insurance companies, for animals and for humans. Don’t be fooled. I’m also on hold for at least 30-45 minutes every time I call them. And before anyone suggests that we just seek other options and allow the free market to somehow magically provide us with a better deal, every other pet insurance company uses preexisting conditions as well. So, what we are left with is the coverage we have and the illusion of a choice in the matter.

I havent used my account for much, yet. I have been reimbursed for some routine care for my eldest cat and dog, and the claims went through pretty quickly last year. Recently I was disappointed to find that they will not let me change my payment date. They will allow it once in a year, but they will not work with me to permanently change the date to later in the month. I find this hard to belive since most other companies would do so. Do I need to cancle my policy just to change a payment date?

Still waiting for my claim…over a month so far