Embrace | Pet Insurance Review

As all insurances companies exist with the sole intention of denying as many claims as humanly possible, this one is no exception. We were literally within "hours" of the time period required for the policy to go live, and they denied us. We felt that they were truly "splitting hairs." Several emails and conversations with them yielded elusive responses, coupled with extensive instructions about how to file an appeal. Certainly those details were also intended to discourage the average person, as they were involved and time-consuming. There was no effort to understand the unique circumstances we found ourselves in with a new puppy, even though I went to great lengths to explain. Also, we received a card in the mail indicating that our prescriptions are covered, so when I inquired about that, again, I received a convoluted, roundabout reply. Again, the bottom line was they were not interested in applying any logic or human element of understanding. We were not sure what was going on with our new puppy, and neither was the vet, so he erred on the side of caution and prescribed meds. We later discovered there was no need. In any event, the entire lame experience was all about "pushback." We spent a great deal of money and received nothing in return.

I have had great experiences with Embrace. All my ER visit were covered (MIND YOU THEY WERE NO PRE EXISTING) so far if something new happened - new injury or illness I have had no problems at all. they will not cover pre-existing which my one dog as but once they clear after 1 year with no symptoms they will cover it Plus i like the bonus rewards you get which helps. very pleased

I had a kitty that was a family member for over 15 years She had stage 4 kidney disease and passed away. We had been dealing with this for about a year and she had more good days than sick days, our vet was/is terrific! We had several claims and they were all paid in a very timely manner, ofcource we miss Libby, but because of Embrace we were able to afford the care she needed.

This company sent numerous emails and letters threatening to cancel my policy even though I updated my payment source TWICE and they processed payments for past 2 months. They have no idea how to run a business and I would not use them.

They are short staffed so you wait on the phone BUT once they get to you the customer service is outstanding! They answer your questions and follow up promptly. I couldn’t be more impressed.