Embrace | Pet Insurance Review

I have had Embrace Pet Insurance for Zoe her entire life span until her death last year. I rescued Mason and immediately added him to the policy when we adopted him.Embrace was great with Zoe and coverage was great overall with few question ask after receiving the vet’s explanation sheets. Mason, on the other hand has been disappointing at the least, also adding another stress when you are dealing with fur babies that mean so much. We had our vet do an orthopedic work up, overall check with labs when vaccinations were done and Mason was a healthy fur baby enjoying life. Mason passed all the tests you required at the time of enrollment and this should be on file at Embrace. Our first visit with Mason when he started having symptoms ,we were told was his heart. He started treatment by the local vet in Beebe until we could see Dr. LaVerge at Pinnacle / Westrock clinic which is his establish vet ( two hours in driving distant). As treatment progressed his diagnosis changed. Please see his vet explanation for these visits and diagnosis. Treatment was started after diagnosis and Mason has again been the healthy fur baby we love until a limp started a few weeks ago. It was diagnosis as a muscle pull. Mason was given appropriate care and recovered in 24 hours. We were denied any and all reimbursements for his diagnosis of heart problems and all vet explanations we sent in were denied for his new diagnosis stating it was per existing. Our vet volunteered to send in an explanation disputing Embrace’s decision. We now find ourselves being denied for Mason’s muscle pull visit from a few weeks ago. This weekend we had to take Mason back for the muscle condition again. I am requesting a call from a representative for Embrace. I do not understand the Embrace I have enjoyed doing business with for years and years has become the Embrace I have dealt with the last year and am dealing with presently. What happened? I have referred several acquaintances to Embrace and I do hope they are not having issues. Again, I would like to hear from a representative in the administrative department. Thank you in advance for your help in this matter.

The company took forever to solve my claim. It took almost two months for me to receive my reimbursement. The person who was working on my claim was not helpful and she made it more frustrating because she was requiring unnecessary info from vet to do the medical review. I felt like I had to do her job in order to get my claim approved.

After 1yr and zero claims, Embrace raised my pet insurance by an insanely 65%! They tried to justify that rate increase by telling me they need to be able to cover all of the pets and keep up with costs. Seriously, 65%?! I could understand basic inflation increases of around 6-10%, but 65% is absolutely unnecessary and horrible business. They care more about their revenue than the animals that can no longer be insured due to their greed.

We’ve been with Embrace Pet Insurance since 2014. Anytime I had a question i got an answer within one day. I can’t even get that quick of turn around with my doctor! I would highly recommend them if you are looking for a good quality insurance for your pet.

What I have come to realize is really not much is covered with Embrace unless you add wellness rewards or your dog gets spontaneously hurt or sick. This is their coverage in a nutshell, so be prepared. Then there is the annual deductible that has to be met so you put in a claim find most of claim they agreed to pay goes towards your annual deductible. I essentially paid for the insurance for 3 years and received little to no benefit. Had I understood the how this insurance works I would have chosen a different company that offers the same insurance but offers wellness rewards at the same total price as Embrace and Fetch insurance does just that. So I canceled Embrace because they also recently hiked my rate to $82 a month. I called Fetch and the same coverage with wellness rewards is $15 dollars less than what I was going to pay with Embrace. Anyway nothing bad to say just overpriced insurance based on my research with other pet insurance companies.