Embrace | Pet Insurance Review

I finally signed up my dog, Finn, for pet insurance. Embrace had the best reviews out there and just one month after eligibility, we got to put that to the test and they delivered! Finn got into a little scuffle with a porcupine! The claim process was super easy through the app. I received full reimbursement (minus deductible and copay) in less than a week. Very very happy customer!

So far, they processed my claims in a timely manner.

If you want to fight tooth and nail for the coverage you're paying for and have your pet recieve differential diagnosis from unqualified claims adjusters here is the company for you. This company has covered exactly 1 of my claims without requiring weeks of appeals and letters from my vet. They have a very fickle definition of "pre-existing" and "wellness" vs "illness" which they use to pay as little out as possible. They will not piecewise invoices. Instead if they find they can possibly reject one line item on a 20 line item invoice they will reject the entire thing. I have had pet insurance through different companies for about 8 years now and this is the only company that I ever had this many issues with. I ended up filling a complaint with my state regulatory committee because it was so ridiculous. Please also note that embrace performs a review of medical records to identify pre-existing conditions in the past year. HOWEVER, they only do so once a claim has been submitted and it was abundantly clear that when I submitted my first claim, which was for an emergency visit, that they looked through my cats records with the specific goal of finding any evidence that the reason for the visit was for a pre-exisiting condition. To the point of using insignificant findings from routine tests. Furthermore they exercise the right to arbitrarily assign new pre-existing conditions. My cat tested positive for FIV when we went to reup his vaccines. Embrace used every single note of anything that could possibly be construed as autoimmune to indicate that he had FIV before the coverage period despite my vet pointing out that none of these "symptoms" are recognized clinical signs of FIV. in fact his load is too low to indicate a chronic infection. Embraces response was to tell my vet that she was wrong and assigned FIV as a pre-existing condition. They now reject almost every single medical claim from dental work to ear infections because "he has FIV". They wouldn't even cover the cost to test for FIV in the first place, once he tested positive, it was a "pre-existing conditon which they don't cover".

This is scam. I been paying $50 a month for my cat.My cat annual exam they didn't pay and my cat got sick stayed hospital for couple of says they didn't pay a penny. My monthly payments were waste I won't recommend to anyone. It's awful to waste money like this.

I submitted a claim I. December 2021 and they gave me the run around for months and then it just stopped. I didn’t get money back for My claim even though they say that I’d be getting back $151.00 that’s a lot of money to just say “whatever” to so I followed up with emails that didn’t get responses. I called and was told it would be a few days and I’m convinced this is all a scam. I haven’t seen this money for 7 months now but they keep taking my money each month. DONT WASTE YOUR TIME OR MONEY ON THIS SCAM!!