Embrace | Pet Insurance Review

Complete scam, they will find any reason to make anything that comes up for your dog a preexisting condition. My vet was in shock by their conclusion to our case and even wrote notes and letters to them that they said would help. They didn't and continued to run me in circles around the company to keep my hopes up that they would help. I see now that was a tactic to continue to collect money from me. I had such an awful experience I am thinking of leaving USAA for my car insurance as well.

Embrace has been pretty decent with their turnaround times for claims in the last year. But after renewing my policy this year, they have been refusing to process any new claims. They keep asking for more medical records from vet visits despite having provided them with ALL the records from ALL past visits. What's most puzzling is why they need records from 2022 again for vet visits from 2023? They already have those records from the 2022 claims. This just seems like a lazy excuse to not honor their end of the insurance contract. It appears that the quality of the "claims adjusters" has dramatically declined. A silver lining is that the customer representatives are still nice, but it takes an eternity to get hold of one! I'll update this review if anything changes, but after over 2 months of going back and forth over the claims, I don't have much hope from this company.

If I could give this more stars I would! Exceptional people and customer service. My dog had issues going on for three months, up until she crossed over the rainbow bridge. They handled my claims within a few days and reimbursement was right into my account few days after that. 0 issues. Whenever I had questions or needed paperwork they sent it over right away, and everyone was always so kind, empathetic and understanding on the phone. I recommend this company to everyone!

Grateful to have insurance for my Frenchie when she needed it most. Embrace app was a quick and easy process. Direct reimbursement payment was seamless. Thanks again!

I had this insurance for one year. I was able to benefit from some signup discounts. I enrolled my dog at 11 weeks of age. He was healthy and I submitted zero claims for accident/illness over the year. The wellness plan is basically a holding account; you pay a certain amount that they hold for you and give you your own money back for qualifying wellness expenses as you incur and submit "claims" (it functions like an HSA, Health Savings Account). When it came time to renew my policy, despite the fact that I submitted zero claims for accident or illness, they told me that I could expect a 30 - 40% increase in the cost of coverage EVERY YEAR, regardless of whether or not I use the policy. They embrace your money, and keep on squeezing. While rising costs is an issue for all types of insurers, some carriers do not systematically raise rates annually (and by such a whopping percentage that is way higher than the rate of inflation). Some offer discounts and incentives if you wind up not using the policy. I'm going to try somebody else who won't squeeze me like a boa constrictor.