Embrace | Pet Insurance Review

I had a very bad experience with Embrace Pet Insurance. I purchased insurance in May 2016 and had my first incident in December of 2016 when I had my dog at the vet for vomiting and diarrhea. My claim was denied because they felt he had a preexisting condition that was possibly chronic because he had been to the vet 6 months earlier with the same core symptoms. They didn’t identify it as a preexisting condition until after I filed the claim and they reviewed his records. I understand preexisting conditions and I may be to blame for not reading my policy completely. I do think, however, that it is a questionable business practice to allow you to continue to pay premiums when you aren’t sure what is covered and what isn’t. I also find it difficult to understand how it can be considered chronic when it happened 6 months apart. In the first case, there was no confirmed diagnosis. In the second case, they gave it a general diagnosis of gastroenteritis. It ultimately was my responsibility with the help of my vet to prove it wasn’t the same thing. Embrace’s underwriting team took the easy route of assuming it was the same thing and wouldn’t pay the claim. I am a first-time puppy owner and assume stomach issues are relatively common in puppies. Especially those that are into everything and choose to put most of it in their mouth. Making a blanket preexisting condition like this, prevents them from having to pay for most of the things I would take him to the vet to treat. I suppose there are worse things that could happen, but expecting coverage and being left with nothing is a bad feeling. If you are considering this plan, read everythign carefully and have them review your coverage after any trip to the vet.

Coverage has been sufficient and easy to manage. Have not been given any problems yet on claims and they've been paid quickly. I feel the price is reasonable and the customer service I receive when I call or email is great.

I have been a loyal Embrace customer for many years. I have used their insurance numerous times in the past and have never been disappointed! I currently have 4 large dogs, so I have to keep a high deductible and copay to afford covering them all for emergency issues. My Dane Maya just blew out her knee and had TPLO surgery. As they have consistently done in the past, Embrace has covered everything, minus my deductible and co-pay. They are a great company and I am a customer for life!

My Sparky an 11 year old Maltese has had Embrace Insurance for the past 2 years. He has been covered for everything that was not a pre existing condition in an extremely timely manner. He had a heart murmur and high liver enzyme before I got Embrace. I was explained in a very courteous manner why these illnesses were not covered. He has developed cataracts after I got Embrace, these claims have been covered immediately. I am very satisfied for Embrace 's great service. Sparky and I thank you, Ana (Sparky's mom)

Our dog, Lucas had torn his ACL and need surgery. We were reimbursed the monies we were owed right away! I highly recommend Embrace for all your pet's needs.