Embrace | Pet Insurance Review

I have been really unhappy with Embrace lately. I've been a customer for a little over two years with my four-year-old golden retriever. I submitted my first claim with my dog for a UTI infection back in February of this year. After three months of little to no communication I received a notice from a claims adjuster stating that because I didn't have a wart tested for cancer, three years ago in 2021 when I wasn't covered with embrace, I was to be excluded from coverage with cancerous masses in the future. I have since contacted my veterinary myself and filed a formal appeal to the exclusion. When I signed up for Embrace, I was excited with all the good things I've heard. I felt like I had a safety net for if and when my dog needs to go to the hospital. After this experience I have lost that trust with this company. I feel like I'm paying a lot of money with higher rates every year. To work with a company that is looking at every reason to not provide the coverage that I'm paying for and that my dog deserves.

I got a puppy a few weeks ago and insured him with Embrace. I chose the best coverage possible. This included an UNCAPPED LIMIT for both illness/wellness with an 80% payout and a $250 deductible. I also added the vet fee, medication, and $650 wellness to the plan. On a Friday night around 10 pm, my pup was acting out of the ordinary. He was lethargic and we could not figure out what was wrong. The next day (first thing in the AM) my wife took him to the hospital and they found out he had a fever. They did bloodwork and every test possible but could not find anything else. The hospital just gave him an IV and sent us home with some meds. The total bill was $850 for this visit. Mind you I received an email that exact day that my 14-day grace period for illness had just passed so everything was supposed to be covered on this particular day. I filed a claim that very day and waited. The following week I received and email with a list of pre-existing conditions. In the list was vaccine injury, entropion issues and to MY SUPRISE "DECREASED APETITE!" They denied my claim completely due two reasons: They said since he was sick the day prior (2 hours before midnight) that he wasn't covered. This is even though we took him on the day he was SUPPOSED TO BE COVERED. The other reason was DUE TO THE PRE-EXISTING CONDITION "DECREASED APETITE." I was extremely upset when I saw the claim being rejected. What kind of "UNETHICAL PRACTICE" uses decreased appetite as a pre-existing condition?? Any time any pet or even human is ill they will have decreased appetite. This means that all illness claims going forward EMBRACE will be denied. I called them about them using decreased appetite as a pre-existing condition. They had no logical answer for it. Even some of the reps understood the problem. That means that if your pup is ill and you tell your vet he has decreased appetite they won’t cover the illness coverage. Isn’t that crazy? How can this be a pre-existing condition??? I am extremely disappointed in Embrace. I will be changing insurance.

It was very easy to setup an account and select the insurance that we needed for our dog. We appreciated the way everything was handled from the loss of our pet until now. Staff was very sympathetic and made us feel that they really cared. We received a beautiful card from you all that we can plant. Thank you

My pet went to the emergency vet with pneumonia and a stay overnight. Bill was several pages with diagnosis, etc and within two days of submitting, I received 80% of my bill back. Any future vet visits for his pneumonia are covered, too.

I purchased Embrace Pet Insurance for my Doberman Pinscher in July 2023. Raven turned one year old in April 2024 and we have used our Embrace policy on several occasions. For those of us who know puppies, no matter how good we are at pet parenting, there may still be some gastric issues, bumps and bruises, or other medical need that require a trip to the Vet. Embrace has done a fantastic job for me. They have made filing a claim very easy and they have agreed with every claim I placed. My experience with Embrace Pet Insurance thus far has exceeded my expectations, and Raven likes it too!!!