Embrace | Pet Insurance Review

Where do I begin... I got embrace $15k coverage in the worst case scenario for both my cats. I did a ton of research and they provided dental illness, waived exams if you paid for it, and had a deal for multiple cats. The only red flags were several reviewers said they had a tendency to really exaggerate and define everything as a prexisting condition. Nothing happened for 3-4 months after receiving coverage. Then on a vet visit, my vet noticed my cat had loss weight. For my first vet visit claim, I found out they had never bothered to review my pets medical records and proceeded to start adding ticky tacky "pre-existing conditions" which included something such as slightly dirty teeth now being an exclusion for dental diseases. I literally purchased them partially because they were one of the few companies that covered dental diseases. But apparently that has a massive asterisk to it. The best part about my first claim? It took 1.5 months for them to start telling me anything and only after i had to reach out to embrace and the vets because apparently they were just going to string me along until i did anything. So basically i paid them for 4.5 months only to find out they were going to start adding ineligibility. Flash forward to today 3 months from my first claim, I still havent been paid yet. My cat is now dead. I am now finding out not only did they take 2.5 months to make their first decision on my pets claim, they have suddenly reversed decision and telling me im not paying squat. Between dealing with my pets health issues and death, I have to be the one constantly badgering the insurance company and reaching out to the vets to get information. Not only did i have to stress about my cat, i had to deal with this absolute dog poop of a company that has dragged its feet for anything just to screw me at every turn. I have spoken to probably 4 people at the company so far and im likely going to speak to a 5th. If you want an insurance company that will ultimately not pay you, expect you to do all the work yourself, try to put anything and everything as exclusionary, and just add stress to you while your pet is dying. Then yeah Embrace is for you. What a frigging scam. Im canceling my other pets insurance policy. I have 0 trust if anything happened with my other cats they wouldn't find a way to bend me over here too. Could not recommend a company less - end to end, just completely screwing me. I guess its better i find out now, because apparently if my cat had gotten sick 5 years from now they would have told me after collecting 5 years of checks they would just absolutely screw me. What the actual hell. 0 stars if i could. People are right, set aside the money you need - you wont get screwed. Embrace definitely is prone to flagging everything as pre-existing. Im appealing but i expect nothing and just more stress. Thanks for squat!

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!!