Embrace | Pet Insurance Review

The employees I talked to were very helpful and friendly. The process to submit claims was very easy and quick to do. These are my first claims so I can't rate the entire process to final conclusion yet.

The company did not stand by the price quote I was originally given, and didn’t give me enough notice of the price change for me to discuss the situation, because their customer service response wasn’t timely. I enrolled my dog as a mixed breed because she is a mixed breed. Embrace doubled my monthly rate because in one area on a vet’s paperwork they mentioned Frenchie mix, one page said Boston Terrier mix, and one said Frenchton. They wrote to tell me that my rate was doubling because I have a Frenchie mix. I feel like I was a victim of a bait and switch, and believe I deserved to be refunded for the two months I paid on a policy that they were no longer honoring. They took advantage of me, and now my puppy and I have to start over with a new company’s waiting period. I would NOT recommend Embrace to anyone. Beyond all of this, the response time was horrendous, which makes me think you would wait forever for a claim to be reimbursed.

Embrace has been quick to review our claims and send out our reimbursement. Thank you!

Since November, Embrace keeps asking for information from the Shelter that I adopted my dog from, that simply does not exist! They want info from 10/21/2020-12/06/2022. I adopted Obe on 6/2020. They are NOT a veterinary clinic, just an Animal shelter. I told them twice. I guess it's their way of trying to get out of paying my claim. They also deem her allergy a CHRONIC condition, uninsurable by EMBRACE. That can be a temporary condition.

Very responsive and explained my request clearly. They acted quickly on my claim.