Embrace | Pet Insurance Review

Embrace USED to be good but now that they have me trapped because I have 2 8 year old beagles, they jacked up my rate almost 200 dollars A MONTH. Why, because my dogs are older and Embrace knows that no other insurances will take on senior pups? In 8 years, my dogs have had nothing more than the occasional ear infection. Where's the discounts for prime customers that have not taxed Embraces precious money reserve, which by the way, comes from us!!

Had my first claim with embrace and so far I'm very unsatisfied! Of course it was denied. My Doberman got her paw smashed in the gate. I took her to the vet because it was a bit red between her toes. When I submitted her claim it was denied because I didn't submit an orthorpedic report. My dog has been checked and is OFFA certified by orthopedic experts to be good!!! Anyway, how is a hurt paw an orthopedic issue?!?! When I tried to call to get this straightened out I was on hold for 46 minutes! When I finally got through I was told they were going to review my claim again. Now I'm getting emails asking what name she was under at University of Illinois! She has never been to University of Illinois or even to Illinois!!!! I'm assuming all pet insurances are the same. This is the reason I didn't go with TruPanion again and so far Embrace is even worse. At least I never sat on hold when I was with TruPanion!

Embrace has kept all their promises since signing up. They cover more than any other pet insurance plan I have researched. I’m always paid within 2 weeks (though I wish it was sooner, but I can’t be too picky). They have an easy claim submission process online and anytime I have had a question they always get back to me within 24 hours. They seem very organized. Don’t forget to upload all of your pets records in the beginning pre certification period and followup with them if you have pending claims. They will look into it for you and expedite things.

Embrace was recommended to me when I adopted my cat. They seemed to immediately act like a non-cooperative insurance company and aggressively deny almost all claims. When my cat injured himself and, additionally, developed a condition which was not pre-existing, Embrace denied almost every item on every claim, resorting to a blanket pre-existing default reason, when, those conditions were clearly not caused by a prior condition and resulting in me having to cover several thousand dollars of out-of-pocket procedures while the Vet was attempting to treat him. I made a mistake by selecting Embrace and would let anyone know who is considering pet insurance to steer clear and investigate having their pet covered by another pet insurance company's policy.

Incredibly easy to use/ timely direct deposit payments/ pays without debate or challenges. Too bad human insurance doesn’t within well