Embrace | Pet Insurance Review

If I could give zero stars I would. This insurance does not cover anything. If you are looking to pay monthly and not receive anything when your pet has an injury then this insurance is ideal for you. They will find any loophole in their policies to not cover you. If you are a USAA member avoid this insurance at all costs. Even my dog was upset that there isn’t a zero star option.

Totally easy to use, received claims back within a few days.

I don't like the increase on policy every year my Junior just turned 2 and your policy went to $10 I am now paying close to $70 a month ..I pay nothing for my health insurance because I'm in the low income bracket I get help from the government for almost every thing I don't get much in s/s that is the reason so that is one of my complain the other is I thought Prescription meds were covered and do was blood work

Make sure any medications are FDA approved! For a dog? Really?

Just know that they will say everything is pre-existing even on a six month old puppy and really what are you going to do about it? My own vet wrote them a letter, and still they dug their heels in. He died having seizures and couldnt stop the first ones we had ever seen as he was a puppy and he died that way..with no help from them. I spent 5k trying to save him over a three day ER period in Austin TX He had a seizure that wouldnt end, suddenly at 3am. It was covered. They said somehow he was pre-existing? Even though all the vets and i said otherwise and all the records too...I mean he just was born a few months prior, vets said this as well and we appealled...so disrespectful to my boy Waylon my love of a chocolate shih tzu. My world. To deny the whole thing, not one single thing did they cover. Lame, misleading. Expensive, devastating. Lame. Boggles the brain, seems shady. Can you afford to hire a team of lawyers? My vet and all their techs avoid this company now too based on what happened. They didnt pay one red penny. Thinking it was covered, I am now stuck with thousands to pay. So I will tell thousands of people and it will be better this way. I would rather know upfront so I switched to Lemonade and have Care Credit line for urgent issues with a better rate on repayment than embrace as well. Its going much better. Make sure you understand insurance, its not a guarantee at all. That handy little pre-existing loophole they love to jump through it and can pretty much stuff anything into it as a category and as I said what would you be willing to do about it? How much do you want to spend? I tell all my clients and all my owners this story. Show all the records, spread the word so other people dont get taken advantage of. Dont choose Embrace. I wish there was a way to block their corporate babble canned food response to this review. I think however, the truth can be felt, sensed even on this review...and this consoles me. Lemonade, Chewy and a few others are wonderful. Put your confidence into a better place than Embrace. (In honor of Waylon Brisket Jennings we miss you buddy)