Embrace | Pet Insurance Review

EDIT: Note the canned response and hollow apology below. You can look forward to "but it's actually your fault" when you have an issue with them. They are giving you a preview below. I wish I could make this 0 stars. What a terrible and dishonest company. I should have spent more time doing research and not choosing based on the discount I received. They will not pay your claim. They will make it as painful as possible and will drag it out as long as they can to get you to give up. They will throw up roadblocks, ignore you, and ultimately find some weak loophole to deny your claim. We lost our dog recently, and very unexpectedly. She evidently had heart cancer of a type known to be a sudden killer. There was no evidence of this illness prior to us taking her to the vet due to a cough. We made medical decisions based on the fact we had insurance and were past our "waiting period". Embrace not only denied paying anything and left me holding a $5000 bill, but they made me relive the entire thing every time I was forced to deal with their awful adjusters over months and months. My dog has been seeing the same vet regularly for 10 years. We saw an emergency vet and a veterinary cardiologist. All of them stated that even if our dog had been seen a just week before her illness manifest, no one would have found it and it would have been too late by months anyway. Classifying her illness as "pre-existing" is laughable, and all three vets were shocked when told. Do yourself a favor and avoid at all costs. They are a terrible, unethical company. Shame on Embrace.

Easy to take care of

Very reliable pet insurance for wellness and illness coverage!

easy to submit claims

This pet insurance is a scam. I submitted a claim for an emergency visit for an allergic skin reaction, and it was denied because my dog had had an ear infection months before. These two instances are NOT RELATED, but now I must wait a year to submit any dermatologic claim, and if she has another skin condition in that time that year is extended. Do not waste your money on this, I would've saved just paying out-of-pocket.