Embrace | Pet Insurance Review

So far I feel that the company is a scam with the amount of reasons they try to find to not pay for the care of two very healthy 2 year old cats with one episode of vomiting and poor intake. They gaslight you into it being your fault that you are asking to get a bill covered despite paying their premium every month on time since the cats were barely 10 weeks old. Embrace your wallet and time because they will be sure to take a lot of both and make you feel like you purposefully made your cats sick and shame you for going to get routine care for them. Response to their reply: it’s an automated response that they copied and pasted from other users with similar issues. It doesn’t address specifically their denial.

Like every other typical insurance company, Embrace also finds reasons and excuses to not pay claims. Nothing surprising.

Easy to submit claims, quick service, everything clearly explained

I have had Embrace Insurance for about 6 years on 2 of my rottweilers. I have catastrophic insurance & dental only with a 1000.00 deductible, reduced to 750.00 w 2 pets. I recently had my 10 yr old female develop a vaginal discharge & acting lethargic. Took her in for an ultrasound & they found a large mass attached to her uterus which required surgery. Luckily they got it all & it was benign. Embrace without any problems paid 90% of her bills minus the deductible within about a week. After never needing them for almost 6 yrs I had to question how much push back I would get & honestly it went very smooth. Submitted all my bills online & they followed through. It was quite a large bill as surgery & 2 ultra sounds with a lung x-ray does add up. The only part they didn't pay for was her medication at the onset as I don't have medication coverage. Although they did pay for the oral meds during her surgery & her nights stay at the hospital for observation which I feel is important as bringing a dog home 5 hrs., after a major surgery to me is not wise. The only thing I wish is they didn't limit you to 10,000.00 a yr per pet by the policy you choose, 10,000.00 seems like a lot until you experience something like this. With the price of vet costs I think the limits should be higher depending on certain circumstances. Other than that I highly appreciate their promptness & concern for the pets.

Customer service short and very helpful. Wait time within reason