Embrace | Pet Insurance Review

Embrace Pet Insurance is great. While they indicated that my first claim might take up to thirty days for processing, I received notification seven days later that my claim was approved and that a check was on the way. I am very pleased with their service.

Avoid Embrace at all costs. My dog was a rescue, and over the course of her life, I paid Embrace over $5000 in premiums and only had two claims approved, for a total reimbursement of around $400. Even worse, I was told after the fact that one claim was approved in error. The reasons for denying claims are extremely shaky -- their adjusters will look for any anomaly in the dog's medical history or bloodwork and use it as a blanket denial for all subsequent claims for the rest of the dog's life. Due to a single anomaly on a blood test when my dog was 7 years old (that resolved on her next bloodwork), Embrace denied all claims relating to her digestive system because a symptom of the bloodwork anomaly was "nausea." This included vomiting and illness after ingesting a candy bar, which required emergency care. I appealed multiple times and was rejected at every turn. They made the process as difficult as possible, and they're more unpleasant to deal with than human health insurance companies, which is saying something. There is no circumstance in which I would ever recommend someone consider them for pet insurance.

I would say, I really do like have the pet insurance so far they covered pretty much everything. However I will say I was beyond frustrated with a claim I had for my dog and they tried to tell me it was pre existing condition from 2021, when if you read his records his issue in 2023 was 100 percent not related in any way shape or form. They denied covered of the claim, and constantly asked for records when they already had them. I work in vet field. His condition was new and not pre existing I found it really obvious that they did not through his records carefully enough. It felt like a 2 to 3 month battle of going back and forth meanwhile waiting for my dog who is limping and in pain to wait to proceed with medical treatment due to the wait on this claim I made. I felt as is they were trying to get out of his claim by comparing it to something he had in 2015. Then when I argued they said it was not considered pre existing in an email, then stated that it was. Little inconsistent overall I am pleased I just found this particular situation very frustrating.

Even though they had all necessary information they still denied my claim. I had to call them and let them know that they had everything and to please review the claim. They did and I was paid. The fact that I had to call them for this was unnecessary.

the application process was simple. Billing and claims filing is easy and the pricing is great