Embrace | Pet Insurance Review

Easy process to submit claims, helpful call center and quick claim reimbursements.

I am giving two stars only because each time I spoke to someone they were polite and professional. I started our insurance for our seven year old healthy Yorkshire Terrier we rescued at age 3. He has no “existing illnesses.” As was established by his Veterinarian. One time in March of 2023 I had to take him to Michigan State University Emergency services veterinary clinic for vomiting and diarrhea. Possible pancreatic attack for eating a piece of fatty lamb. The only time ever that we had him he had had an illness. Fast forward to a visit to a Florida resort where there was a canine viral thing going around the resort and everyone’s dog was getting ill including finally my Levi. Now the second time he was ill ever. I rushed him to the local VET ER and thousands of dollars later they stabilized him. The vet told me herself it was not pancreatitis. After a painful series of emails once I put in my claim for that Florida ER visit and Embrace becoming hyper focused on the ER visit to MSU I said to my husband they are going to deny the claim. They started asking for the MSU “notes” a YEAR ago. Levi had never been sick with ANYTHING else but they were laser focused on that visit to Michigan State. Sure enough, claim denied. Why? My Florida ER medical papers listed as one “possible” cause (which was a generic code given for all stomach issues) was pancreatic issues. Therefore since my claim occurred April 2024 and wasn’t 1 full year without Levi ever having vomiting or diarrhea that meant he had a “pre-existing condition.” Claim denied.” Even though this was NOT a pancreatic attack conclusively determined by any of the testing done. In addition Embrace went through Levi’s records and gave me a new laundry list of “pre-existing conditions” they would not cover going forward. His knees, teeth and a whole host of other problems they dreamed up. Yeah. I canceled. BTW. This Claim happened in April it took over a month of haggling —back and forth emails—having to call them immediately “or your claim could be held up” and bothering both Michigan State University -which my dog saw only one time and my other vet. They looked for ANY reason not to settle the claim as it was thousands of dollars and found their reason. Do not bother with them. Polite but they don’t pay out.

Embrace did a wonderful job handling our first claim for Georgia - so happy we got her covered through your company.

Easy process and claim was processed timely! Highly recommend!

my claims experience has been nothing but painful! I have 4 dogs ranging in age from 6 to 13, the senior dogs are constantly profiled for exceptions on every wellness claim I have made. when I take my pets in for their yearly check up and vaccinations my vet will often send me home with an additional medication to help with the injection area pain some of them have. because of that clearly labeled items like the exam fee and canine wellness blood panel were denied. I contact embrace about this and I am still waiting for it to be corrected. finally any claim made for my oldest dog is never reviewed and approved at first submission. it will take at minimum a month for them to review and request additional documentation from my vets office only for them to again exclude the basic exam fee from the claim. its exhausting having to correct their work on every claim made.