Embrace | Pet Insurance Review

This company is a FAKE. They just going to take your money and not help out with nothing. The staff is annoying and they have 0 patience. Theyre policy makes no sense, they dont cover nothing. Even though it states that the insurance covers accidents it DOES NOT. My cat died and they didnt even listen to what we had to say they just shut us down and said they cant help us. Totally would not recommend, do not make the same mistake as me. Find a better insurance company for your pet

YOUR DOG BETTER NEVER GET SICK AND BE 1000% healthy for the rest of their life, NOT EVEN WORMS! Nothing is covered! ANYTHING AND EVERYTHING IS A PREEXISTING CONDITION AND WONT GET COVERED. So example basically, if your dog is totally fine and pulls a muscle from running around one day, they will deny your dog coverage as PERMANENT PREEXISTING ILLNESS AND WILL NEVER, REPEAT NEVER, cover any claim from there on out. DO NOT GET EMBRACE. On top of that, they make you pay over $500 TO CANCEL THE INSURANCE! I’ve spent twice the amount of money paying for insurance AND paying for medical expenses that aren’t getting covered bc of the damn “insurance”. You are better off just putting away $80 a month into your own savings account and using that money later bc you will be spend TWICE the amount paying for insurance that WILL NOT COVER OR REIMBURSE YOU and you still to pay the vet bills bc the insurance won’t cover it. My biggest regret ever. The positive reviews is false advertisement as they are posted by the employees themselves. I was told not to go to Embrace but I did it anyways and it’s cost me over $1,500 bc I got Embrace when I could’ve just paid the $300 vet bills myself and be done with it. With Embrace, you are OVERPAYING. They lead you to believe you are doing the right thing by having coverage but it’s worthless bc they deny all claims. DO NOT GET THEM. IM REPORTING THEM TO BBB FOR INSURANCE FRAUD. YOU ALL ARE FRAUD AND YOU KNOW IT OR THERE WOULDNT BE SO MANY NEGATIVE REVIEWS. I will be reviewing EVERY negative review Especially the preexisting claims bc THERE SEEMS TO BE ALOT OF THEM WHICH IS A HUGE RED FLAG FOR FRAUD. I will personally REVIEW each one and file a formal complaint against you guys with your own customer experiences as proof.

Well, i was quite happy with Embrace, years of looking after my 10 yr old lab, but last week they told me they would increase my monthly premiums by as much as more than 300%?!, close to $200/month, so i am absolutely now looking for another provider. How they can spring that kind of increase in months premiums really perplexes me..a gradual increase in costs over years is fine but..this..no i don't think so.

I signed up for insurance. They said I was immediately covered and asked for records. We had an appt before they reviewed the records. A pricey dental. Come to find out they denied payment because somewhere in his records the vet stated my dog needed a dental. Bottom line - get a full review of your records BEFORE you schedule an appt! Just because they say you’re covered immediately doesn’t mean they pay for it. A bit misleading and they are very strict with record interpretation!

Very easy to use app and process for submitting claims. I haven’t had any “issues” or been challenged by a submitted claim so I’m not sure how the process would change in that event, but so far it’s been a great experience.