Embrace | Pet Insurance Review

I have been with Embrace for four years now, and I am finding for one excuse or another they will not honor my claims for either of my dogs. 1. When I got the insurance for both dogs, I got the sense from reviews that Embrace was one of the best. It is standard procedure for any insurance company to look at the vet's records at the time the policy is first started to see if there are any preexisting conditions, as well as to have a month waiting period before you can file claims. My min pin Duke was initially declared to Embrace to only have an orthopedic condition. During my month wait, I had to take Duke once for a skin infection and again later in the month for an ear infection. I paid for both. During that waiting period, Embrace called my vet for the records for that month, saw my two visits and reasons, and then claimed both of those infections for Duke as preexisting conditions (I didn't even know until today that they would not cover ear infections). The company said if I made no skin infection claims for a year that skin infections would be taken off the policy as a preexisting condition. I paid the vet bill for a year the times he had skin infections to eliminate the restriction. What I didn't know was that Embrace calls into vet centers regularly to get updates on even the unclaimed services the vet provides. So to this day, I am not covered with Duke for two conditions he needs sometimes. 2. My other dog Joshua, a boxer, just passed away in July from cancer. His bill was very high at the vet, so I called Embrace shortly after he passed to make sure I could still get coverage so I could "roll" the money I get back from Embrace to help pay his entire bill. I just found out in call I placed a half-hour ago that Embrace only covers claims for two months after a dog or cat dies. Why wasn't I told this in July? Consequently, I am stuck with a still high medical bill for Joshua. All because of the need to be cost-effective, after thousands of dollars spent for four years on the two dogs, my Embrace policies are little good to me now. I have cancelled Duke's policy. Perhaps all of this is in the fine writing in the insurance policy, but many Embrace clients suffer like me from poor communication from the company. When shopping for pet insurance, please keep my problems in mind.

My 3-year-old Papillon came down with an acute case of protein-losing enteropathy, although his symptoms were so complicated it took over a week for the vets to arrive at that diagnosis. During that single week, we visited our normal vet, an emergency vet, and an internist for a total of 6 visits. Each visit required extensive diagnostics procedures and testing to rule out potential diagnoses, and the bills quickly added up to thousands and thousands of dollars. The anxiety over how to pay for those bills was overwhelming since I'm currently the sole income earner in my household. Thank goodness for Embrace! With my plan, I have been reimbursed for 90% of those bills, excluding the deductible. Customer service has been great. Very very grateful that my dogs have been on this insurance since they were 6-months old because emergencies happen!

We have had Embrace for three of our dogs for a number of years and have always had very good experience with the handling of our claims. Claims are paid in a timely manner and most importantly they pay what they say will be paid.. Have not had to use Customer Service much but they have been great also when we did have to contact them.

This Insurance is a waste of money!!! It may only be useful for newborn puppies that do not have a Medical history at the vet because of previous Lab results they will relate it to all illnesses and won't cover at least for medications or office visits...Please don't get this insurance if you really want to save money & get covered ! they only want to collect your monthly payments. they will use any previous lab, blood results and relate it to the illness so they won't cover . My dog has a congenital condition (something they say they will cover).

I honestly questioned whether pet insurance was worth it. Some friends said, "Pet insurance is a must" while others said "It's a waste." We were recommended Embrace by USAA. Let me tell you, I AM SO HAPPY WE CHOSE EMBRACE!!!!! So VERY happy. Now I'll be honest, our first experience wasn't a simple submission. Embrace initially denied the claim. But to Embrace's credit, the e-mail they sent essentially said, "We understand that you won't be happy with this decision and we are willing to re-consider this decision should you have any additional information that might be important for us to know." Nice e-mail, but in today's world so much of what is said (or written) carries no weight. I didn't have much hope. Now, I understood Embrace's reason for initially declining our claim. But I honestly believed it was an error and knew there was additional information I could provide that would correct this error - but I honestly questioned whether anyone would take the time to hear me out even after providing this additional information. TO MY SURPRISE - THEY LISTENED!!!! Their follow-up email was equally responsive, "Based on the additional information you provided, we can overturn the initial decision." Words cannot express how happy I am with Embrace's service. I may not always right, but I do appreciate being listened to. Embrace listens. Thank you! Thank you! Thank you!