Embrace | Pet Insurance Review

This company is horrible! They claim to "We care more so you can worry less".... that is complete crap! I had submitted claims for both of my dogs and I have never had to fight more to get a resolution! After fighting for months my one puppy's claim was "partially covered" because she had pre-existing conditions! The pre-exsisting condition was she was a puppy and vomited due to eating too quickly! So when I submitted a claim because my puppy accidentally got hold of a bag of chlorine and had ingested some and naturally she vomited! Now this company claims they won't cover the claim fully due to she has vomited once before! Then if that wasn't enough my second dog who was about 8 years old unfortunately had to be put down due to a spleenic mass that had her internally bleeding and according to my vet only a 10% chance of surviving an operation to remove it, if she even made it into surgery! So I submitted the claim for my loved dog being put to sleep and now this company is denying the claim all together because my dog about a year prior was noted by the vet to have a skin tag (mass) smaller then the size of a dime on her leg! This company had talked to my vet about the skin tag (mass) in relation to the spleenic mass tumor and my vet said the two conditions are "completely unrelated!" But nope this company who "cares more so we worry less" still denied the claim and has dragged out the processes of closing these claims therfore delaying my families grieving process because every week for months we have been on the phone arguing with the company! Please please do not waste your money and time dealing with this company! They will only aggravate you more and come up with every excuse to not pay back any of your claims! You will be paying for a service you will not get!

This company is horrible! They claim to "We care more so you can worry less".... that is complete crap! I had submitted claims for both of my dogs and I have never had to fight more to get a resolution! After fighting for months my one puppy's claim was "partially covered" because she had pre-existing conditions! The pre-exsisting condition was she was a puppy and vomited due to eating too quickly! So when I submitted a claim because my puppy accidentally got hold of a bag of chlorine and had ingested some and naturally she vomited! Now this company claims they won't cover the claim fully due to she has vomited once before! Then if that wasn't enough my second dog who was about 8 years old unfortunately had to be put down due to a spleenic mass that had her internally bleeding and according to my vet only a 10% chance of surviving an operation to remove it, if she even made it into surgery! So I submitted the claim for my loved dog being put to sleep and now this company is denying the claim all together because my dog about a year prior was noted by the vet to have a skin tag (mass) smaller then the size of a dime on her leg! This company had talked to my vet about the skin tag (mass) in relation to the spleenic mass tumor and my vet said the two conditions are "completely unrelated!" But nope this company who "cares more so we worry less" still denied the claim and has dragged out the processes of closing these claims therfore delaying my families grieving process because every week for months we have been on the phone arguing with the company! Please please do not waste your money and time dealing with this company! They will only aggravate you more and come up with every excuse to not pay back any of your claims! You will be paying for a service you will not get!

Precious was covered for everything except the pre-existing condition of Canine Megaesophagus. She developed a problem where Lymphatic fluid was leaking into her chest. Unfortunately even after ER care and overnight stays on several different occasions, we lost her. Because of the many different visits it was complex to work through all of them. The ER Specialty Hospital and Embrace worked together to finalize all of them.

I Purchased a policy and into the second year I submitted a covered claim everything was done in a timely manner but the company started processing it months later and have now denied me saying that I didn’t submit it on time when it was them they didn’t process it on time

Fiona is aging (12.5 years) and has multiple health issues. I've never had a problem with claims, or the contract, or anything. The premiums are fair and the service is outstanding. I recommend it highly - even if you are currently insured with a different carrier.