Embrace | Pet Insurance Review

Unfortunately, some vets/groomers are unable to print separate invoices for multiple dogs. I repeatedly have included details advising the Claim's department when submitting my information that each pet's services are listed on the same invoice. Despite, providing this information and submitting the invoices for each pet, my claims are always denied because they fail to read my note and take time to actually go through the invoice. I pay hundreds of dollars to insure my multiple pets through the company, the least they can do is take a minute to do the claims properly.

They make submitting a claim very easy, the cover almost everything. Our pet has had some illnesses and they have been great with helping cover the costs. I would highly recommend them!

When I filed my claim they handled everything along the way! It made my life a lot easier.

Just like the other 1 star reviews say- they are prone to handing out preexisting conditions like candy. Literally any vet note they can find that isn't from a routine vaccination they will twist into being related to some sort of prexisting illness that the animal does not have. Also, as others have stated, communication is lacking and when you try to cancel they keep prying about why and try to get you to stay on by saying that an adjuster will call to talk to you and it doesn't happen. A great scam to collect money and not pay out.. I'll stick to care credit and credit cards in case of emergencies...

I have been with this pet insurance company for six years without any issues. However, when I signed up for coverage for my second dog, it turned into a nightmare. One representative repeatedly asked me for documentation that I didn't have because my dog was a rescue. My vet provided all the necessary documentation from the beginning, including SOAP notes, but they still claimed that they didn't have what they needed. By this time, I had been paying into the policy for 16 months, only to find out that the first two months of the new policy did not count. I was told that the two months I paid for were just a place marker - which was very frustrating. After numerous back-and-forth communications, I finally asked them to cancel the policy. Then, they apologized for the confusion but insisted on checking for further records despite my repeated statements through emails and phone calls. I would not recommend trusting this company. The hassle is not worth it. In the end, I switched to Spot pet insurance.