Embrace | Pet Insurance Review

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.

After speaking to the claims adjuster, he made it out that my claims would not be approved, this trying to stick me with the entire vet bill. As a result, I spoke to USAA and filed a complaint regarding the lack of care by your adjuster. You were minutes from having a lawsuit filed