Embrace | Pet Insurance Review

I am a 'believer' in insuring pets, homes, and cars. But in today's post-pandemic world, it's become an entirely new ballgame. The problem is that rates go up and the ins cos cover less and less. Our rate went up approx 20% annually, but what's worse IMO is that they have teased out what is actually being COVERED and called it "customization." For ex, a pet exam and prescriptions are now sep from the overall plan as a so-called "courtesy" to customer. You have to pay extra for that ($20/mth), in order for that to be included in your coverage. That's tantamount to having house ins and saying you have to pay extra for the house! If they respond w/an "I'm sorry" to this note, I'll cancel. I'm so tired of disingenuous apologies. It's about the profit margins. I taught business ethics; don't kid me w/false contrition. I know this is about the bottom line. Just keep it real with people. PLEASE. UPDATE 7/23: You sent an ADVERT in response. I specifically ASKED YOU not to reply. See how well Embrace listens: Not at all.

Go somewhere else , not recommended at all The communication is terrible. Service worse 3 months today since I placed my claim and still waiting to be reviewed if you call is a 2 hours wait , emails they take 2 to 3 weeks to answer with vague response

If you like wasting money and time, then Embrace may be for you. I have submitted 4 different claims for 4 different illnesses/incidents over the past year and they found a way to deny them each time. Not happy at all. Save your time and money by going elsewhere.

To respond to insurances response: I reached out about that because I was positive that was what I signed up for. You do not allow that in my state which sounds foolish since my other insurance was able to reimburse insurance in my state. The only reason I switched to you is because your quote made it seem like I was getting better coverage for less than my last insurance. It was not made clear that you weren’t offering the same coverage as my previous insurer. Misleading. I switched from lemonade to them. There was nothing that made it clear when signing up that they did not cover wellness visits and preventative meds when I signed up. I didn’t find out until after making a claim on a $350 wellness visit. The sign up process is deceiving and had the option to choose med coverage and exam fees, I found out after the fact this is only for meds prescribed during a sick/emergency visit and the exam fees associated with the visit. Very upset with the lack of information and clarification given.

Total scam. Was lied to about what my policy covered, claims process was horrific and they reject everything. Liars and scam artists. They will state nonsense about pre-existing conditions, the issue is I spoke to a rep about having Wellness protection and it ended up not being covered.