Embrace | Pet Insurance Review

It was easy to submit a claim.

I’ve had an Embrace Pet Insurance Policy for several years and every claim has been denied. Most recently I took my dog Perry to an Emergency Veterinary Clinic for what was ultimately diagnosed as “Idiopathic Vestibular Syndrome”, a neurological disorder seen in senior dogs. Embrace denied this claim because blood work done during the visit showed the presence of “Azotemia” or Renal Disease, a pre-existing condition. In other words they used the presence of kidney disease to not pay the claim for his new neurological disorder which is totally unrelated. This would be like not paying for cancer care because of the presence of kidney disease. They are completely unethical and I would not recommend Embrace to anyone!

Me and my pup Noodles have to say thank you, we really love Embrace. They helped save her life last year when she had two hospital stays. I never have any issues submitting my claims and the reps are very helpful on the phone if you have questions. Worth every penny. I wish human health insurance was this easy.

Avoid Embrace! Embrace waited to finish my dog’s medical history review for over eight months. When the review was finally completed, Embrace provided inaccurate and unacceptable findings on my dog’s preexisting conditions. I immediately cancelled the policy and requested a refund for the months I paid with no services provided in exchange. From January 24 to October 30, 2023, Embrace provided no coverage and did not attempt to contact me, obtain records, or cancel the policy. Nonetheless, Embrace took my money and now refuses to refund me. Embrace has stolen my money and prevented me from obtaining meaningful insurance for my dog. My dog is now ill and I am left without coverage. Please avoid this company at all costs!!

After giving much thought to whether or not I wanted to purchase pet insurance for my fur-baby, I did extensive coverage which was narrowed down to two options - Embrace was one of them. I was struck by the broad coverage they offer sparing no detail. Compared to other companies, Embrace seemed like the likely choice taking into account the tail to nose coverage, app interface, quick turnaround for claims, and very clear/transparent policy, Thx far, I have found their customer service to be impeccable from Sales/Onboarding to regular customer care — everyone I have spoken to thus far has been knowledgeable, warm, kind, and patient. Additionally, there is a strong coordination of care with Embrace which means when you call Customer care more than once, everything is noted in your file and the right hand knows what the left hand is doing. Lastly, their pricing is more than fare. And so is the company. After signing up for one plan I had within a day wanted to change the maximum from 30k to Unlimited and I was able to accomplish that with ease only having to pay the difference. The policy change was automatically confirmed via email and all was updated in the app on the following day. When I first initially called sales/onboarding I had so many questions - my representative was so patient with me and was so well-informed and able to answer every single question I had. HIGHLY recommend Embrace - you won’t be disappointed. And it’ll bring you a peace of mind that you’re looking for in a pet insurance plan!