Embrace | Pet Insurance Review

Avoid purchasing insurance from Embrace! When we purchased our dog’s insurance in March 2023, Embrace assigned him the pre-existing temporary condition of diarrhea. Embrace stated that a temporary condition could be eligible for coverage in the future if our dog were to remain symptomatic free for 12 months from the most recent occurrence. Now, almost one year later, and with no signs of diarrhea since the policy began, Embrace is restarting the clock for another year. Furthermore, they are adding an additional pre-existing condition of dermatological issues and denying covering anything related to it going forward (including itching, allergies, hot spots, ear infections, eye infections, etc.), despite them covering all of these dermatological issues for the past year. On top of all of this, they are refusing to pay for an allergy test that they pre-approved in writing and had already stated that they would cover. We are currently in the process of submitting an appeal and if it is not accepted, then we will be reporting them to the California Department of Insurance. If Embrace fixes this, I will be happy to update this review, but at this time I would not recommend Embrace. I feel extremely disappointed in their service and find their practices self-serving. Embrace makes up the rules as they go to benefit themselves financially. Do not purchase an insurance policy with Embrace!

Embrace has taken 15 days and my claim has not been resolved. No response or anything. Customer service is useless. They are not the best. Using Embrace has been a huge mistake

Caring professionals who truly care about their clients and pets. Fast reimbursement

never got a claim reimbursed all they did was hassle my vet so she didn't want to keep answering them, they 4 x asked for an invoice, which she sent, then they wanted dr. notes, etc as of today, two months later, nothing, my vet said other insurance did not hassle this was the only one

With the app it is easy to input and track claim status. The initial claim took about 4 weeks, as they researched my Dogs health history, but subseuent claims are processed in as few as a couple of days and direct deposited to my checking account.