Embrace | Pet Insurance Review

Have been a member for years, and went to file my first claim ever. Services were provided in June of 2022, and I tried submitting for reimbursement in Dec of 2022, and was told that it had been too long past. So was completely left out to dry with no willing to help. Warning, do not use this company.

Uploading claims could not be easier!

Embrace has been great! Claims are processed quickly. The customer service is amazing and best of all they care about my pet! I highly recommend Embrace.

Easy to file a claim. Makes expensive medical procedures less painful.

Worthless. No, worse than worthless. Actively malicious. My beloved ESA (a cat) had mammary cancer prior to my purchase of my Embrace policy. After I purchased the policy, my cat developed salivary gland cancer that is terminal (it has metastasized to the lungs). Despite all evidence to the contrary, including a letter from my cat's oncologist, Embrace judged that my cat's salivary gland cancer was of mammary origin and therefore a preexisting condition, refusing to cover the literal thousands I have to spend per month on my cat's care. The mental gymnastics required to call an obviously novel condition preexisting are nothing short of unbelievable, and obviously motivated by greed. Embrace doesn't care about animals, only about money, and they are willing to ignore the truth to save money. I will be pursuing legal action. They are making an already nightmarish situation--having a terminally ill pet--exponentially worse. If I could give zero stars, I would. DO NOT USE EMBRACE, or be prepared to get your state's department of insurance to intercede on your behalf when they deny your claims for dubious (read: BS) reasons.