Embrace | Pet Insurance Review

I’ve had pet insurance in the past and the claims part is such a pain, but this time, it was easy and got my check refund in a few days. Would highly recommend.

Very easy to fill out claim. I can review more after claim is reviewed and paid…

Fabulous! I had pet insurance elsewhere and it was bad! Embrace is amazing! I cannot express properly just how amazing! I had to put my dog down, and I filed a claim for his last ER visit. Embrace saw on the records I sent in that there were visits I did not file claims on, they sent me checks for those as well. They also sent a sympathy card that you soak in water and then you plant it in remembrance of your pet a flower/plant grows. Very kind!

I purchased this insurance over two years ago. Last month was the first time I used the insurance because my cat was vomiting. The Vet send her home with medication ,she thought it was a simple stomach flu. I send all the receipts to Embrace and the doctor notes I received. It took over a month for me to receive a response from them because I follow up to see the status of my claim . I finally receive an email from an adjuster/ claimer reviewer saying that basically they were denying the claim because is vomiting is a “pre-existing condition” since they look at the doctor notes before I purchase the policy it was a record she vomited a year prior from me buying the policy. “Since when vomiting is a pre-, existing condition instead of a symptom. “They were only going to give me back around $150 because my deductible is 100 and they denied my claim so I canceled them think it’s insane !! so what is the point of having an insurance if they can’t cover something so simple ??. So basically your cat can only vomit once otherwise is a problem. I will not recommend this insurance company to no one, what a rip off.

Very easy user interface & company is easy to work with. The downside with any pet insurance is that they don't cover a whole lot, but this is not Embrace's fault, it's the industry's.