Embrace | Pet Insurance Review

3.5 years and we've not been able to claim a dime. :( Good & Bad thing. During a regular vet visit and to get shots in her first year (she's 5 now) and they suggested I buy Embrace and I signed up that week. During this checkup with regular shots, I mentioned she seems a bit itchy compared to the other dogs we have. They didn't mention possible allergies, just to bath her a bit more since she loves to be outside. 1.5 years later after a change in food that included chicken we noticed that she was inflamed; took her and they said she must have allergies. No coverage because of the mention of her being itchy. CRaZY. Blood testing shows she's highly allergic to chicken.

I am a 'believer' in insuring pets, homes, and cars. But in today's post-pandemic world, it's become an entirely new ballgame. The problem is that rates go up and the ins cos cover less and less. Our rate went up approx 20% annually, but what's worse IMO is that they have teased out what is actually being COVERED and called it "customization." For ex, a pet exam and prescriptions are now sep from the overall plan as a so-called "courtesy" to customer. You have to pay extra for that ($20/mth), in order for that to be included in your coverage. That's tantamount to having house ins and saying you have to pay extra for the house! If they respond w/an "I'm sorry" to this note, I'll cancel. I'm so tired of disingenuous apologies. It's about the profit margins. I taught business ethics; don't kid me w/false contrition. I know this is about the bottom line. Just keep it real with people. PLEASE. UPDATE 7/23: You sent an ADVERT in response. I specifically ASKED YOU not to reply. See how well Embrace listens: Not at all.

Go somewhere else , not recommended at all The communication is terrible. Service worse 3 months today since I placed my claim and still waiting to be reviewed if you call is a 2 hours wait , emails they take 2 to 3 weeks to answer with vague response

If you like wasting money and time, then Embrace may be for you. I have submitted 4 different claims for 4 different illnesses/incidents over the past year and they found a way to deny them each time. Not happy at all. Save your time and money by going elsewhere.

To respond to insurances response: I reached out about that because I was positive that was what I signed up for. You do not allow that in my state which sounds foolish since my other insurance was able to reimburse insurance in my state. The only reason I switched to you is because your quote made it seem like I was getting better coverage for less than my last insurance. It was not made clear that you weren’t offering the same coverage as my previous insurer. Misleading. I switched from lemonade to them. There was nothing that made it clear when signing up that they did not cover wellness visits and preventative meds when I signed up. I didn’t find out until after making a claim on a $350 wellness visit. The sign up process is deceiving and had the option to choose med coverage and exam fees, I found out after the fact this is only for meds prescribed during a sick/emergency visit and the exam fees associated with the visit. Very upset with the lack of information and clarification given.