Embrace | Pet Insurance Review

Normally I have no problems with my claims however I was unable to submit the claim through the regular channels and had to send the information email. I have been asked numerous times fir the diagnosis for this claim for Boo and have replied. I have now just resulted the entire thing because now the suit claim process is working which unfortunately is not always the case. I hope my resubmission helps

Speaking with Gary was very pleasant. He answered every question clearly made me comfortable with going ahead with the pet insurance.

Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage. What happened: - Entire diagnostic workup denied under blanket "pre-existing thyroid" excuse - No breakdown of what was actually denied vs. covered - Unrelated imaging and consultations were lumped into the rejection - Second claim delayed for weeks as "pending medical history" despite records already on file - Forced my vet to re-send identical documentation they already had The punchline: When my vet asked for claim itemization, Embrace went silent. Their "appeals process"? Make the veterinarian write a letter that goes back to the same underwriter who denied it initially. Translation: You're not buying pet insurance. You're funding an elaborate claim denial operation with a fake appeals process designed to exhaust you into giving up. Save your money. This company sells protection, but delivers a professional runaround when you actually need them. UPDATE: 9/8/25 My response to Embrace’s public statement: Embrace says they’re “upfront” about coverage and that pre-existing conditions are “determined directly from the notes provided to us from your veterinarian.” That is not true in my case. My veterinarian emailed Embrace directly and pressed them for itemization of which charges were being denied, the dates of those charges, and the justification for tying them to hyperthyroidism. Embrace ignored her request and issued blanket denials anyway. If Embrace were truly using the vet’s notes as they claim, they would have answered my vet's questions instead of dodging them. This shows Embrace is not being transparent with policyholders or veterinarians, despite what they write in their template replies.

This company won’t pay claims. I submitted four claims for one of my dogs. Embrace denied three of them, claiming that they were pre-existing conditions. Review the negative reviews of this company. This is a typical pattern. To add insult to injury the company raised my premiums 38% after the first year of coverage. They wanted $1500 for no coverage. I cancelled and looking for a company that will sell me actual insurance.

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.