Embrace | Pet Insurance Review

Complete waste of money, I have been paying $100 a month for the last 5 months only to find out that literally nothing is covered that I need, I only signed up for this because it said dental wellness was included. After wasting $500 over the last 5 months I was told that dental cleanings are not included in dental wellness and that in fact nothing preventative is included which is the whole point of insurance is to PREVENT. They will only cover preventative if you pay an additional fee to their rewards program. don’t waste your time or money

Their customer service are nice but they company is worthless. I had 2 claims, the 1st one took over 30 days to be completed, no big deal. The 2nd claim, is taking over 5 months, and I am the one that has to be contacting them to see of anything is need to be provided. After, I provided all information requested, they wait 3 months until I call them again to tell me my dog was seen at the vets on June 2021, which is not true never told them that, and my dog was home. It was my wedding day. They just told me, I could make claims from May 14 2021 to June 2021. My claim is from April 2022, they keep contradicting themselves, and saying "oh sometimes our system request this information by accident" but delays the claim and they don't tell you anything either.

Upon comparing Embrace with other pet insurance companies the customer service and policies simply outrank them all. Then when my 12 week old puppy ate something he shouldn't have which resulted in an emergency visit 3 days after his insurance commenced Embrace was so helpful throughout it all. I recommended it to my prints for their new puppy and now they're customers!

They are the worst. They say they couldn't find my account when they turned down another one of my claims. Again, they are the worst!!!!!!!!

I should have believed the negative reviews!!! My pet sprained a muscle and was limping. We took her to get evaluated by the vet since it was an injury. Luckily, we ended up only spending little under $100 at the vet. We decided to report this to Embrace just in case the injury is worsened overtime. To “review” this claim, they asked for my dog’s entire medical history. But they already had received this information less than six months ago but they asked again! Thank goodness, my vet just sits around to submit medical histories to insurance companies. It has been 40 days since we filed the claim. And 30 days since my vet sent over my dog’s full medical history. NOT ONE UPDATE from embrace, it still shows as “pending info” even thought my vet already provided the information 30 days ago! I’ve called and emailed. They just keep saying they’re reviewing, but the claim status shows us “pending info”!!! So are they really reviewing it??? This experience has caused me to lose trust in Embrace. If they’re taking such long time to process a claim that is under $100 for a small injury, how can I expect them to be there for me and my pet if a bigger injury comes up unexpectedly?? Trusting Embrace as my pet’s health insurance has been waste of money and time!!!