Embrace | Pet Insurance Review

I expected a decent amount of coverage from you, considering that I am paying nearly $100 per month and haven’t really filed many claims. I know my dog is older, but I didn’t adopt her until she was seven. I have only had six years of coverage. My vet bill totaled nearly $4,000, but the insurance is paying less than $200.

It seemed like it was a good insurance policy but as I took my dogs to the vet whenever I submitted claims they were nickel and diming items on the claim. It was more like they were busy finding reasons not to cover than to do what is right by the claimant. They refer to their wellness plan and when I got that again I was nickel and dimed. After two years they asked for one of my dog’s medical history prior to the policy continuing. The dog had no issues. The company seems to be interested in getting premiums but not paying out. I switched to spot insurance instead. They were less and covered more. After they replied: Again 2 years then they ask for a medical record when it should have been requested when the policy began 2 years ago. And as now everyone sees, thank god HIPPAA isn’t for animals they fine line, nickel and dime. Loving my new pet insurance. Update after reply: Again read their reply, does it sound like a company that has your or your family member’s back? I am glad my personal medical coverage isn’t this way. Their response proves my point exactly and this is how they provide service to you. Unless you are an attorney don’t bother. Spot is the way to go.

My puppy had two different hospital visits back to back for the same thing and claim is still not settled on the first hospitals visit. The second hospital claim is already closed a\yet no re imbursement.

Embrace has been very helpful so far. I do recommend getting your cat and/or dog signed up for an insurance plan as soon as you adopt them. The exclusion for pre-existing conditions can be quite harsh if you wait to sign them up. I will always sign up my furbabies for a policy right after I adopt them! It is MUCH better to have an accidental policy and never use then to have an accident and not have an insurance policy! With cats and dogs, anything can happen even if we are careful!

my dog had a lymph node that swelled up due to infection in the body (a natural response when you are sick) and they claimed it was a pre-existing condition. i had the vet write a dispute to let them know this was not the case that the swelling was not related to anything prior, and they still denied the claim. now if his lymph swells again which naturally it may whatever it is in response to they wont cover. Its a scam