Embrace | Pet Insurance Review

I had a claim recently that Embrace denied because of a pre-existing condition. So, I contacted my vet to find out what condition was being referred to. My vet wrote an email explaining that it was not pre-existing, Embrace reviewed it, and agreed and they covered the costs. But, the Embrace email said that there continued to be a pre-existing condition. So, my vet challenged that saying that the test used on my pet was before she became my vet and that test has been declared inconclusive and no longer considered valid. Embrace reviewed this and agreed so my pet no longer has a pre-existing condition on her record. I have never had an insurance company take issues like this seriously and reconsider their decision which Embrace did and I really appreciate.

Great claim submittal and review process.

Good experience. I was able to get at least half of my bill covered which helped some.

When my dog blew out his knee, I admit I panicked about how I would afford his surgery and aftercare - then I remembered I have Embrace. I received my reimbursement via direct deposit in less than 30 days, and thanks to the addition of Wellness coverage, I had a lot fewer out-of-pocket costs than I imagined. Its a real comfort to have such comprehensive and compassionate care from an insurance provider.

Would give 0 stars if possible. My cat almost passed away in December from acute glomerulonephritis (kidney disease), which had never been previously diagnosed (he is 1 yr old). Despite this, my claim for his medical expenses was rejected due to the pre-existing condition of a cough that was noted during his kitten wellness exam 10 months prior. I appealed the decision and my vet provided additional medical records and a statement that the two were in no way related, however my appeal was again denied. In the past year I filed 3 claims for 3 different pets and every single one was denied. I have cancelled my very expensive policy for all of my pets and filed a complaint with the California Department of insurance. I would never recommend anyone waste their money on this insurance.