Embrace | Pet Insurance Review

I signed up with Embrace based on generally good reviews and have been deeply disappointed. I've had two minor claims so far, both of which, after much back-and-forth and repeatedly asking for the same paperwork, were denied claiming "pre-existing conditions." This was patently not true -- for instance, I had an emergency visit because the cat was constipated, they cited "lack of appetite" as a pre-existing condition, which did not relate to the vet's diagnosis at all. I will have to terminate this policy and I really wish I had signed up with something else.

Quick and easy.

Using Embrace couldn't be easier! The app and webpage make submitting a claim super easy. Every claim I've submitted has been at least partially covered and I get feedback on my claims super fast, usually the same day. It makes me wish my own health insurance worked the same, feels like how insurance should work!

Sighing up was great Hannah was the lady that was so helpful explaining everything to me.

I am a brand new client and to the world of pet insurance. After purchasing a new puppy I wanted to get insurance since my last pup went through expensive arthritis and cancer issues her last couple years. So far a terrible experience with Embrace since February 1. Filled out all the paperwork including vet medical history. My vet filled out and signed the orthopedic report. There are zero issues health wise with my pup, but Embrace continues to reject the paperwork. They are requiring revised paperwork and an additional office visit at my expense just to satisfy their needs. Claims department sent a nasty email stating we are at a standstill with coverage even though I have no claims. Their customer service department keeps transferring me to other departments only to get disconnected and having to start all over again with my story and required follow up. I’ve invested many stressful hours only to have them come back weeks later saying the forms sent in will not suffice. They promised to call my vet and request them to print out a revised medical history only to find out they did not follow up. It just should not be this difficult to get pet insurance for a young pup and unacceptable that I paid in advance over $1,000 only to find out he is not covered. Considering cancelling and moving to another company. They are also closed weekends. Embrace-You need to treat your customers better!