Embrace | Pet Insurance Review

My dog has developed some allergies. So, I had to file a few claims for the first time since having the insurance for 3 years. Embrace was quick, easy and got the refund to me within days. I have no complaints! I will be a very long term customer. Thanks Embrace!

Clear and easy to use

Great customer service and help

Embrace insurance is quick to reply to submitted expenses. Unfortunately, their pre-existing conditions are overreaching. My dog had a mild reaction to chicken once when she was a baby. Now several years later, she had a severe and sudden allergic reaction to an outside environment. Embrace refuses to cover any of this, saying the conditions are related, despite a medical report clearly stating that her exclusion was a "food allergy to chicken". The denial of the appeal also elaborated on the condition explaining things that are excluded that were not mentioned before in the medical report. An appeal from both our veterinarian and an allergy specialist have been denied. I would not recommend this company.

i would give 0 stars if i could. i am still waiting on a claim from july and it is november. it kept saying missing medical records multiple times i had to ask them to reach out to my vet. my vet sent all the information multiple times. then my claim got placed on hold. i called customer service so many times and each time they said “we have all the info now it just has to be reviewed.” then i would get an email saying “we’re still missing information” and the cycle would start over and over. i have officially given up and if i am not reimbursed in the next few weeks i am just going to cancel with them.