Embrace | Pet Insurance Review

Excellent customer service. Very responsive and quick. Fair claims process.

My contact with the associates I spoke with was pleasant and professional. I received more information that I was requesting. The wait time was a bit long, but once I made contact, the conversations were informative and professional.

February 9, 2026. My Cat Schreiver had Gingivitis and two extractions were recommended because the teeth are resorbing, which is a secondary illness. I did not want Schreiver to have dental surgery because another vet had recommended that I take Schreiver to a cardiologist. Because I did not have my cat’s two upper molars extracted, the claims adjuster, is dissecting my cat’s procedure and saying that dental cleaning is one procedure and removing gingivitis is another different procedure I verified what Prophylaxis is with AI and the claims adjuster stated that She cannot accept AI’s explanation. Yes — scaling and polishing are core parts of the standard veterinary procedure used to treat gingivitis, according to the AAHA Dental Care Guidelines and veterinary dentistry sources. Here’s the clean breakdown grounded in the search results: ✔️ Scaling is part of gingivitis treatment AAHA’s dental guidelines list supra‑ and subgingival scaling as essential steps in a professional dental cleaning and periodontal therapy. Scaling removes plaque and calculus above and below the gumline, which are the irritants that cause gingivitis A. • AAHA: “Scale the teeth supra‑ and subgingivally… removal of plaque and calculus” A • This includes ultrasonic scaling and curettage of debris in gingival pockets. Because gingivitis is inflammation caused by plaque/tartar, scaling is the therapeutic step that actually treats it. ✔️ Polishing is also part of the gingivitis procedure ✔️ Why both are included Gingivitis is reversible because the supporting structures are not yet destroyed. The treatment goal is to remove irritants and restore gum health. Scaling removes the cause; polishing prevents rapid recurrence. Key components of a true dental prophylaxis AAHA defines it as a procedure “performed on a healthy mouth… to prevent disease and remove plaque and calculus above and beneath the gum line under anesthesia” A. Perhaps pet owners should read Embrace Pet Insurance reviews, especially with the Better Business Bureau to see if this pet insurance is a good fit for you. I had to escalate my case to the Better Business Bureau over a measly $66.85. This is a pet insurance that will argue, argue and argue. They feel that $66.85 is worth more than a negative review. Then there was the time that my cat Allie was diagnosed with oral cancer. Embrace Pet insurance did not want to pay my claim, so they said that it was FRAUD! When Embrace Pet insurance collects premiums without having to pay out, that’s kosher. But the minute they had to pay my claim for an illness, it’s FRAUD. Did Embrace Pet Insurance pay my claim for my cat’s illness for Oral Cancer? Yes. However, it took me going to the better business bureau to get the issue resolved. Embrace Pet insurance told me that they were going to conduct a thorough investigation, And they still came up empty handed ! Allow me to recommend a pet insurance company. Prudent pet insurance. They’re more expensive, but they do pay out on claims. How much more expensive? I insured 9 or 10 cats with illness and accident coverage with Embrace Pet insurance $126.00 in 2019 or 2020. Embrace pet insurance is $453.00 a month in 2026. My cat Rico’s policy was $60.00 in 2025 and was increased to $161.00 in 2026 and Rico’s policy is going to increase in 2027. This is for a $5000 policy, $200 deductible and 70/30 coverage. You do the math. I insured One senior cat with Prudent Pet insurance for a little over $100.00 - 80/20 coverage, $10,000 limit. When Mitzi was diagnosed with an illness, Prudent Pet insurance paid my claim, no questions asked. I guess with pet insurance, you get what you pay for. ---

FINAL UPDATE: After additional communication and a secondary review, my claims were reassessed and ultimately approved, including the largest emergency claim. I appreciate that the company took the time to re-review the file and adjust the determinations. However, the claims were initially denied in full, and it required significant follow-up, requests for clarification, and escalation before the situation was reviewed again. During an emergency situation, policyholders are often forced to make fast and expensive medical decisions for their pets. If I had accepted the initial determination at face value, it could have significantly affected the choices I felt able to make regarding my pet’s care. That aspect of the experience was particularly stressful and concerning. The final outcome was positive, but the process itself was confusing and time-consuming during an already difficult situation. Clearer communication and transparency around how medical history notes are interpreted would make the process much smoother for policyholders in the future. I am updating this review and rating to reflect the final resolution. UPDATE: My Trustpilot profile uses a nickname, which likely explains why Embrace stated they were unable to locate my account. The company does have my policy and claim information, and my claims are now currently being re-reviewed after I requested additional clarification. I am updating this review for transparency. I have asked for the specific medical record citations and policy language used to deny my claims and am still waiting for those details in writing. I also reviewed the onboarding emails I received, including my policy activation email, and did not see explicit instructions directing me to request a separate medical history pre-review. I will update again once the re-review process is complete. Thank you. I bought this insurance because of how it presents itself — “pet insurance for any situation,” fast claims processing, and financial protection when emergencies happen. When my pet had a real emergency, that was not my experience. After paying premiums for over a year, my pet required emergency ER care and life-saving treatment. The bill exceeded $8,000. I approved care believing my policy (70% reimbursement after deductible) would help carry at least some of the cost, which is exactly why I had insurance in the first place - to protect my pet. All three emergency claims were denied. Their explanation relied on broad interpretations of historical vet notes as “pre-existing,” even though there had been no prior diagnosis or indication from my veterinarian that my pet had any underlying condition that could lead to this emergency. The same medical history that allowed enrollment was later used to deny coverage when an emergency actually occurred. Adding to the frustration, my claims sat without resolution for over a month. After I began repeatedly following up, all three were reviewed and denied at once. The financial result has been severe. The reality is that being left with this level of unexpected cost directly affects what ongoing care decisions I can reasonably make for my pet. I paid for this policy in good faith so that if an emergency ever happened, my pet would be protected. When that emergency happened, the coverage I expected wasn’t there. In my experience, this company failed when it mattered most.

Worst pet insurance company ever. They will do anything possible to delay or completely not pay a claim. If anyone is interested in hiring an attorney to form a class action lawsuit please let me know.