Embrace | Pet Insurance Review

I adopted a cat, Toast, through the local shelter and was able to provide a full health history for the Toast. Of the 3 time in a year and a half I took my cat to the vet, once for an ear infection, once for a check up, and once because of sudden and large nosebleed. I have been denied coverage, made to wait hours for answers, and told that these are preexisting conditions of Toast. What's the point of paying for insurance or having 8k over available funds if I can't use them when my cat needs them. He is literally waiting on a blood transfusion and insurance won't cover what it says in my policy it should. I am livid. I may lose my cat with available funds in my insurance watches. This is the most backwards ass company with no heart. Don't use.

Amy was very helpful and knowledgeable about the product.

Please don’t bay this insurance, you just wasting your money,, the make all excuse,, don’t bay this insurance

This insurance is great. The claims process is easy and the response time from the claims department is very quick- great turn around time.

Here is the dark and ugly truth. They do not do medical history reviews until AFTER you file a claim. I went over three years paying this absurd company thinking I was covered to find out they ruled my dogs condition as preexisting. Absolutely criminal, unethical and immoral. They will do whatever they can to ensure they do not pay you. They have stolen from me for 3 years and I’ve paid 8k in surgeries they are responsible for. For military members, USAA is partnered with them and they are currently looking to drop them because of my experience alone. Google search reviews and you will see I’m not the only one to experience this.