Embrace | Pet Insurance Review

I trusted Embrace to protect my cat. Instead, I got an expensive lesson in insurance bad faith practices. The Setup: Monthly premiums paid on time. Comprehensive policy purchased. My cat develops health issues requiring a diagnostic workup. The Gaslighting: When my vet requested basic claim transparency (what's denied vs. covered), Embrace ignored the request. Their adjuster's solution? Have the veterinarian write an appeal letter for review by "our chief underwriter"—the same person who made the original denial. What This Really Means: You're not buying insurance coverage. You're funding a claim denial factory that uses veterinary practices as unpaid administrative staff while hiding behind fake appeals processes. For Fellow Pet Parents: The premiums feel affordable until you realize you're paying for the privilege of being professionally obstructed when your pet needs care. Embrace has turned claim denial into an art form. Bottom Line: They sell peace of mind but deliver bureaucratic warfare when you're most vulnerable. Your pet deserves better. You deserve better. Choose literally anyone else.

Great phone help to get claim submitted (computer glitch). Quick resolution to claims.

Embrace pet insurance is a good company but i fortunately haven't had to use it yet so idk how good they are when it comes to claims or reimbursement..

Read EVERY single fine print down to every letter and each punctuation point. This company has been the worst not only when it comes to cost, but their lack of empathy, their unwillingness to cover anything EVEN if the diagnosis ties into something it pet is currently being treated for, they will take the cowards way out to tie it back to something and call it “pre-existing”

Fortunately, My dog has been pretty healthy. I will say though, every communication with Embrace has been pleasant and they are always responsive. They respond quickly and never mind answering questions about your policy or bill.