Embrace | Pet Insurance Review

love embrace pet insurance. great price and coverage

So disappointed with Embrace Pet Insurance. I signed up 10 months ago and submitted my first claim for a $30 medication prescribed by my vet. I received an email saying that my claim would only be processed once they received detailed medical history from all veterinary offices where my dog was examined 12 months prior to the start of your policy through the end of the waiting period. A month later, I was informed that my claim was denied and that additional exclusions were added to my policy. Very disappointed that this was the result for a $30 insurance claim, which made me lose all confidence for any future claims, especially for major injuries. Needless to say, I am no longer an Embrace customer.

Embrace Pet Insurance was a huge disapointment. When my puppy was 3 months old they had an episode of vomiting that was very expensive to treat. So I decided to get pet insurance with Embrace. I submitted one claim in the first 5 months of coverage (for a potential payout of around $800) for another vomiting issue. Over the next 7 months I was constantly calling and emailing and uploading the same documents they'd request again and again, all the while saying they still needed more information and past records when I had already given them everything. It was a tremendous stress on myself and clearly not worth it as I never was reimbursed. I cancelled my coverance plan. Do NOT use Embrace.

If you don’t get pet insurance from the time your dog is born then they won’t cover anything. I got insurance with them when my miniature schnauzer was 8 months old and they consider things like vomiting a temporary pre existing condition and if he has it again it can become permanent etc. They don’t make it clear that even without a formal diagnosis they can prevent things from being covered even when you don’t have a known problem yet. They also will make up any excuse to not cover something like I submitted a claim for my dogs specialist appointment for pancreas issues and I almost wasn’t going to since they decided he has pancreatitis prior to ever being diagnosed but I did. They came back and told me it won’t be covered not because it’s a pancreas issue but because he had giardia 10 months ago and the specialist listed it in his history. That had nothing to do with why he was there and then they make it a permanent preexisting condition. It’s a lot of BS and I don’t recommend them.

I have been with Embrace Pet Ins. for my 2 dogs for quite a few years and have always been satisfied with their customer service and payments. I had tried a few other different pet insurances in the past, but once I found Embrace I stuck with them and have never regretted it.