Embrace | Pet Insurance Review

This company is incredibly predatory, avoid at all costs. They use past incidents of symptoms (like vomiting and diarrhea) as an excuse to deny claims for completely unrelated conditions, and utilize a blatantly subjective review of medical records - even against veterinary standards & consensus - in order to serve the company’s best interests. Symptoms like vomiting and diarrhea can occur due to MANY different conditions, diseases, and illnesses… that’s why they’re considered SYMPTOMS and not standalone conditions. But if your pet had a single instance of vomiting OR diarrhea within the past YEAR due to something like a diet change, bacterial infection, or just eating something it’s body didn’t agree with, ANY future condition associated with EITHER symptom will be considered a “preexisting” and denied on that basis. Eg., say you took your 4 month old puppy in for vaccines and told the Vet he/she vomited the day before due to getting into the trash or a recent diet change, and then 10 months later your dog needs emergency care for something like acute gastritis, a severe allergic reaction, or poison consumption (even intestinal blockages have been denied on multiple occasions) and vomiting is one of the symptoms, Embrace WILL deny the claim because of the past documented incident of vomiting (some customers have successfully challenged denials for blockages that required surgery after a time consuming appeals process, but those claims never should’ve been denied in the first place… Embrace frequently uses initial denials as a business tactic because they know a lot of people won’t even bother to jump through all their hoops). So when I say they’re predatory, I’m NOT using that word lightly! They utilize a variety of dirty tactics to serve the company’s interests and avoid paying out their own customers. Just take a few minutes to read their BBB complaints and reviews and you’ll understand. There are far better insurance providers out there. Spot is THE best and most customer friendly company available (imo), but they’re a bit expensive. If the money’s an issue then I recommend Pets Best, their pricing is similar to Embrace but they’re LEAPS & BOUNDS better in terms of payouts and customer service. I’ve had policies with all 3 companies so my recommendations are based on personal experience.

This company is extremely efficient, Making claims are easy and someone always contacts me to let me know the status of the claim. Great company!

Handles Claims quickly and easy to submit

I love how easy it is to submit a claim; wish we could do this for people insurance. Also, monies back are usually quick as well.

I’ve had this insurance for two four years I used to have a different insurance that paid better every time you’ve processed your claims this insurance has been going up every year and pay it out less even if you don’t have your dog diagnosed for the correct disease they may have very difficult to get them to pay the full amount The other insurance I used to have with a lot easier to process. I really don’t recommend them so I went ahead and cancel them. It’s just not worth spending the money for two pets when they do not process the paperwork on time claims they request so much paperwork by the time you get done it’s like 30 days to have to wait to process granted you get a military discount but in the long run, it’s not worth it.