Embrace | Pet Insurance Review

I have really struggled to get Embrace to understand I split my wellness bills from the vet into payments with the vet. I have had claims denied because the vet receipt to me says zero, but the charge was moved over to my installment, and they won't accept the installment because each payment to the installment doesn't have a wellness item attached to it. I send in both the zeroed out bill with costs, and the installment receipts, and still get denied. After the companies response, and attempt to follow their instructions for successful payment, I was just denied again, Although the action happened within the guidelines of the policy, they deny based on paperwork the vet has available. So a company that is offering insurance, but not paying, and the customer can't do anything about it because they are limited to what the vet provides. I have sent in a BBB complaint and I hope this company can align their claims to vet clinics so the customer isn't in the middle paying for something they are not getting. And masking as military friendly when in fact they are not. A complaint to USAA to remove affiliation is next.

I always have a great experience with Embrace. They do what they say and pay their portion. It is important to me they keep their word and I know I can rely on them.

Timely and great handling of our claim after our dog underwent knee surgery. Easy to use website for submitting claim.

Not many regrets in life, but using Embrace is one of them. Since my dog had a bit of food intolerance/allergy when he was little they’ve claimed anything gastrointestinal is a pre-existing condition that they won’t cover. Now faced with the prospect of stomach cancer at age 10 and Embrace won’t even consider scans as something that would qualify. Paid thousands to this company over the years and have never had a single cent back. My vet is even shocked about what they are claiming and using as an excuse.

Overall, coverage has been great. We pay over $200 a month for premium coverage for two english creme golden retrievers. I do not like how they are not very transparent about what is covered in the policy and what is NOT Covered (this part is important). I thought since we purchased the highest tier plan they offered with unlimited protection, that everything would be covered 100% and instead come to find out that it only covers 90% of MOST (not all) medical events that happen with your animals. They also will stop covering certain things if they deem a condition a "pre-existing condition" which I think is a sneaky thing that shady insurance companies do, and I expected better from Embrace. When I wanted to increase the coverage from 90% to 100% and I was willing to pay a higher premium, they said I could do that but all documented conditions on our dogs so far would NOT be covered and be considered "pre-existing" even though they are resolvable/curable conditions such as anxiety and allergies. I think Embrace is one of the better options out there compared to other pet insurances, but they definitely have significant room for improvement.