Embrace | Pet Insurance Review

This company is really good at taking your money. So good that they raise your rates WITHOUT NOTIFYING YOU. So watch your credit card statements, kids. My dog had a procedure Embrace paid 1 month and labeled 'a preexisting condition' the next time he needed it done. And they just approved it the previous month! Prepare to wait on hold at least a half hour before anyone answers the phone to straighten things out. Which btw, they won't.

My experience was excellent. The representative answered all my questions and took care of my concerns while being very polite.

Submitted all necessary paperwork on our animal, filed a claim on a service at the beginning of February of 2022. The company put a hold on the claim stating on the paperwork was not submitted. I resubmitted all the paperwork that I had to the company, a month goes by nothing I submitted a email to the company on inquiring on the status of the claim, received no correspondence. Then I submitted another email stating that I’m not help with the service. A month goes by and still nothing, so I canceled my policy with the company. Even with me calling to cancel the customer service representative never inquired on why I was canceling my policy. So use this company at your own risk BP

Im only giving a 3 for now, because I do not have my adoption final. Im impressed with the coverage, but I spoke to a rep that apparently thought she knew more than me about how my place of work ran better than I did. Mind you, I have been an RVT (registered vet tech) for 32 years and have worked at a prestigious university veterinary hospital for 21 years. Yet, she had to mention she was a vet tech and knew my hospital better than I did. Well, I was correct regarding our discussion. I will follow through with my adoption and go with Embrace, because of the coverage. However, I do not appreciate an employee there arguing about what I know, and implying they know more, after I had to repeat myself several times.

I registered my dogs as mixed breeds medium. Embrace cherry picked information from the vet record that said one “resembled an Australian Shepherd” an Embark DNA test confirmed mixed breed. Embrace refused to acknowledge DNA tests and vet emails informing them my dog was a mixed breed. Embrace refused to let go of erroneous info they were using to justify higher premiums despite proof it was inaccurate. I had no choice but to discontinue service with them. I would not recommend Embrace, they will rip you off if they can. To be clear, my vet emailed Embrace on two occasions to notify them my dogs breed is in fact mixed breed. Embrace ignored those emails and continued to classify her as an Australian Shepherd.