Embrace | Pet Insurance Review

7/9/24 in addition to the increase in price below, I found something else out about their pricing. When you get a quote you can chose options to add exams fees and prescription drugs. On my quote if I added them both BEFORE selecting my reimbursement levels they came to $4.69/month. If I added them AFTER selecting reimbursement levels, they came to $14.09/month. A difference of $9.40/month added on the sly, hoping you won't notice (which I didn't when I signed up). All I can say is, be alert. Or go elsewhere. To all those giving Embrace 5 stars, have you recently received a renewal? Well I just did, and my cat's policy (which I've only had for one year so this is my first increase) went from $34.52/month to $51.37/month. That's a difference of $16.85, a more than 48% increase. I don't know how this is even legal. I expected it to go up but this is nothing more than greed and price gouging. If you're here doing your research before you consider signing up with them, think twice. Actually, think more than twice.

Extremely easy claims process. Literally only needed to select a few drop downs, provide a description of the claim and upload the invoice for said claim. Fast turn around time, with no issues for direct deposit. Satisfied to the max.

They're asking for records that do not exist and have halted the claim process until they receive a pre-exam diagnosis from when I had Money's teeth cleaned. I can't even iterate how many emails they've sent and I've responded to. Initially, I gave a 5 star rating. Today, not so much but I'll update this review as my initial claim moves or doesn't move, along.

I have made one clain. It was denied because my dog had a previosly documented lipoma which was not biopsied at the time (because it didn't need to be biopsied) He developed a new mass under his chin but they have denied treatment and treatment for any future masses including all future cancers based on this. Stay away, don't waste your money.

Terrible experience. Scammers. My pet was healthy and as soon as we had the first injury of his entire life, Embrace pet insurance found an excuse for every single issue and called it “pre-existing” when my vet even sent a report stating my pet was healthy and all tests were normal before his injury. Needless to say, I cancelled and will alarm anyone looking for pet insurance to go elsewhere!