Embrace | Pet Insurance Review

I recently submitted a claim for my dog, Koru. He was diagnosed with cancer and X-rays showed a huge mass on his heart and lungs. I have full coverage that includes cancer and treatment, but Embrace denied my $5000.00 claim because Koru had a cough seven months ago which was diagnosed and treated for. When I showed the vet the explanation of why my claim was denied, she said there’s no way my dog could’ve survived with this growth on his heart and lungs for the last seven months and it had nothing to do with his cough which was treated! I’m unable to afford treatment for my dog and as such have had to put him down. Thanks for killing my dog Embrace not Pet Insurance!!

WAhoo wahooo

They refused to pay a claim even though I provided a physical for my dog saying he didn’t have a pre existing condition. Yes I missed the fine print saying the physical had to be done within a certain time. I am unable to provide those documents but did provide documents from before the incident. No way he should not have been covered.

Don't hire them, they steal your money and then they start asking you for the pet's documents, until they invent the craziest of arguments for not paying. They told me, after they charged 18 months. They say that my dog had swallowed an object in 2021 and that was a pre-existing condition (they did charge 18 months). The truth is that my dog had coccidiosis. The claim I filed was for about $500 and with a deductible of $250, to make a meager 90% refund they sent me emails for almost a month and then of course they denied it. Please EMBRACE return my money. Where is the leader of that company?

Quick to reply on a claim, took less than a day to respond and get me reimbursed my amount on the wellness plan. A lot of people don’t understand that usually you have to pay a good amount for good coverage. You pay for the good insurance and you get so much of it back from it. I Pay around 90 a month with 90% reimbursement and 15k covered with $250 deductible and a wellness plan and it’s worth it. The wellness plan does seem expensive but I got reimbursed a full $215 for my GSD puppy first vet visit.