Embrace | Pet Insurance Review

I signed up after I seen no wait period online..my dog had what we thought was an infection and was dying.. She ended up having colitis..still an emergency..then was told we didn't qualify cuz it wouldn't start til 2 weeks later and I asked if I could restart claim later and was told no..This was an emergency and unexpected bill that I couldn't afford atm..not something that is typical for me..they told me I signed something in tiny print sating I would have to wait..then why state online there wasn't one

Embrace makes it easy to file the claim and I had a check within 2 weeks of the filing.

My claim was processed really fast. It was so easy to file a claim and upload the documentation from the vet. Embrace reimbursed me for exactly as described in their policy.

The person that I talked with was good enough to find the answers to my problem even though it was not the answer I wanted.

I wouldn't recommend Embrace Pet Insurance to my worst enemy. They go out of their way to find reasons to not pay a claim. You purchase this policy thinking that your pet/pets are covered, and then the second you submit a claim they find all sorts of reasons why it should be denied, their most notable being "pre-existing conditions." Case in point: they wanted proof that my kitten didn't have a pre-existing dental condition at age 5 months. Kittens lose their milk teeth at this stage, so they are already growing in new teeth. What vet is going to say, "No, no signs of dental issues..." when the teeth are growing in? None. But that's the kind of thing Embrace loves to do: invent reasons do deny coverage. They LOVE paperwork, but only if it's in the format they want, otherwise they deny it. If your vet gives you a print out and Embrace doesn't think that's appropriate, they will refuse the claim. You adopted a pet from a shelter? Well you better have a full printout of every day of the animal's life or else Embrace will deny coverage (always a pre-existing illness). No one deserves to be put through this when their pet is ill. NO ONE. AVOID EMBRACE AT ALL COSTS.