Embrace | Pet Insurance Review

We had Healthy Paws prior to switching to Embrace and it seems like the reimbursement process with Healthy Paws was so much easier. Embrace takes forever to review a claim and makes us follow up with the vet on things they should be doing themselves.

They simply refuse to reimburse any of their claims, I have been waiting for over 6 months. I have provided all of the documentation, notes from the vet, etc but they simply will not move the claim forward. They respond with “we need more information.” These are all claims they are supposed to cover with my plan. The vet has sent everything they requested but they continually kick back ever claim. If you try to call it’s impossible to get anyone on the phone. This is a scam, would not recommend!!

Claims/Invoices are easy to upload.

Very disappointed with Embrace. Every claim I subimtted was always denied because of "preexisting condition". They even tried to claim preexisting when he had surgery for foxtails. I had to fight with them over it and they didn't cover the full surgery. The final straw for me was when my dog had to have surgery to remove excessive skin on his gums which was growing over his teeth. Again, said claim it was per-existing. They said because he had plaque on his teeth when he was first examined 18 MONTHS PRIOR that's the cause of gum overgrowth. Actually, the overgrowth was a side effect from allergy meds! Embrace is in the business of not covering claims. Rep was so argumentive with me I decided to just cancel it. Not worth paying out when the policy has no value. I have Pumpkin Insurance for my other dog and have NEVER had an issue. Switched him over to that policy.

Wish I could give high stars but my policy just increased 20%. First year was $51 per month and eighth year is going to be $239. It’s crazy how much my policy has increased and we have very low claim history per year, sometimes not hitting our detectable.