Embrace | Pet Insurance Review

Do not use Embrace Pet Insurance if your dog has ever been to the vet. Every diagnosis, every observation will be used as a pretext to deny further claims. They will approve procedures and then deny the claim when the bill comes. Truly terrible, don't use.

No claim we’ve submitted has ever been approved. We pay $150 a month for nothing. If I could give 0 stars, I would.

Embrace is so easy to navigate for claims and reimbursement for Vet services is very fast...within 5-working days. This IS our pet insurance of choice.

My son's cat, for whom I pay the insurance premium, was given a permanent exclusion with a diagnosis of anxiety which doesn't exist in his medical record. To make his visits to the veterinary clinic Fear Free, he was prescribed gabapentin to be given prior to veterinary visits. A letter of appeal was submitted by the prescribing veterinarian to explain the situation but this was not given any merit. Pre-visit gabapentin is a very common practice and should in no way be linked to a diagnosis of anxiety. I'm very disappointed by the interpretation of the medical records review and spent nearly an hour on the phone talking to staff at Embrace.

I don't believe this last claim falls under wellness. Policy #EP0062-3885 states where is allergy with meds would be wellness when if fact if the meds they perscribed do not work he will need a blood draw to see why he is still biting and scratching in dogs could be caused by serveral reasons. Currently he is on his second week of meds and still no change in his condition. I believe this would fall under medical where I pay 90/10.