Embrace | Pet Insurance Review

Embrace seems like a scam to me. They're looking for a reason to deny - not to pay. They denied every single claim I filed for my dog on the basis that it was a pre-existing condition. My dog was diagnosed with bronchitis, but Embrace said because he had been treated for a cough previously, that the claim for bronchitis was denied. A cough is not a pre-existing condition. Don't waste your money on them.

Insurance is such a big scam. They find every loophole to not pay on claims. "Itchy skin" and "tartar" as pre-existing conditions. Itchy skin is so vague, and they do not look at causes. So, everything that has to do with the skin is not covered, including ear infections. My dog has allergies, and now nothing is covered. Insurance cares more about shareholders than the policyholders. The company will not differentiate causes for pre-existing conditions. They do not understand the difference between correlation and causation. My policy covered dental, but because my dog had some tartar, the dental was not covered. So, why am I paying for a policy that will not help when my dog needs something. It's better to just save your money.

I’m canceling this. Pay and pay and everything is denied evn when there is no preexisting issue. 👎

We submitted several invoices and the website was not properly working. We had to keep submitting them sometimes up to five times before they were accepted, very time consuming . in addition, we are still pending are reimbursements on several claims despite them being accepted.

I’ve had my policy since 2020 (5.6 years) now that I’m complaining about unpaid claims they notified me that they were missing medical info. Once obtained.. surprise, surprise, exclusions. I’m suing them!!