Embrace | Pet Insurance Review

I have a rescue golden retriever. He had been very abused & was very sick when he first arrived . I purchased my Embrace Insurance 3 years ago. I have been lucky, We haven’t needed it . Recently my boy has been sick. I was worried about how this process would go . It went so smooth . I sent a screen shot of my pups statement . I received a check within 2 weeks . No hassle , & straight up front . They also suggested if I have a bank on file , they can send an automatic deposit instead of waiting for a paper check . Thank you Embrace 🩷🐾

Thank you helping with the cost for my baby Maverick. It really helped a lot for my poor little fellow. I have been telling everyone about Embrace. You should be getting more phone calls. Thank you again

We had been with them for several years, then they went to renew our policy with over a 100% upcharge, when we have made NO claims on the policy. I could understand a 20-30% INCREASE, BUT OVER 100% INCREASE...not someone I want to do business with anymore.

Dont recommend

A month after I enrolled in Embrace Pet Insurance, my 7 year old cat developed a cough, so I took her into the vet. The vet performed an x-ray and determined my cat had bronchitis and prescribed medication to treat it. They additionally performed blood work as it had been a while since checking her levels. In total, I had two separate vet bills totaling over $400. I submit two claims to Embrace, one for each invoice, and they were both denied on the reason my cat had a "pre-existing condition". The "condition" was the fact that she vomited 8 months prior to her vet visit (as cats tend to vomit), completely unrelated to the development of bronchitis. This vomit incident was included in the onboarding information Embrace received from my vet. I submit an appeal to the denial and they said after reaching out to my vet, they were declining my appeal. I spoke with my vet, who reported Embrace never reached out to them. They also provided a letter stating the one vomit incident months prior to the appointment had no bearing on the bronchitis diagnosis. My second claim was ALSO denied for the SAME reason. When I appealed it, they simply deleted the claim. I tried calling Embrace to speak with a human rather than the weeks long email process, but after being on hold for two hours I was disconnected. Do NOT interact with this company unless you are insuring a newborn pet. They will find any reason to deny your claims. They provided me with zero service after taking my money for months. They also will not allow you change any account information online, it must be done over the phone after you sit on hold for an egregious amount of time.