Embrace | Pet Insurance Review

The Embrace staff is very patient and polite. Embrace is efficient in processing your claim. I highly recommend Embrace Pet Insurance for your pet.

I've had an Embrace policy for a year and a half and I've had a positive experience to this point.

Embrace pet insurance was a total waste of time and money for me. I was better off just paying out of pocket for medical expenses as opposed to paying high monthly fees for an insurance policy that I could not even use. I was paying into my policy for about a year and then all of a sudden my monthly fees go up 55% out of nowhere. Embrace pet insurance claimed that my cat had a pre-existing condition. This is not true because my cat was not diagnosed with this condition until after I started my policy with embrace. Embrace would not pay for any claims that I submitted. So basically I was paying into a policy that I could not even use and my cat was only dealing with that one condition only. Embrace pet insurance is a total waste of time and I would never recommend this company to anyone on earth or any other planet for that matter. Embrace pet insurance would not accept any of my claims yet they can abruptly raise my monthly fees by 55% without a warning. I am totally disgusted with this company and I will never join this company nor recommend this company to anyone ever again in life. If I could give this insurance company zero stars, then I definitely would have. Also the fact that I have to put out medical expenses first in hopes that I get reimbursed by the insurance company is also bogus. Is there any pet insurance company out there where you don't have to come out of pocket UP FRONT and you can just use the insurance card and it will cover most if not all of the bill??? Embrace pet insurance is insane and none of the monthly fees are fixed. They can increase it at any given moment they feel like. Where are the BBB private investigators when you need them? POLICY DEFINITELY TERMINATED!!!

Stay away ! They find any excuse for them not to process the claim. Complete scam.

Even as a general practice veterinarian, I recognize that pet costs are rising each year. Insurance for my Labrador, Haka, gave me the peace of mind that I could get him the speciality care he might need in an emergency situation. Sure enough, he developed painful arthritis at a young age and out Embrace insurance let us get him to an orthopedic specialist for a hip replacement. He’s now living a happy, pain-free life and Embrace was a dears to work with to submit claims and they reimbursed us quickly for his surgery and care costs.