Embrace | Pet Insurance Review

I have had this policy for almost 2 years and have never had to file a claim before this. Despite the fact that less than 5% of my claim was even covered, I was continuously told incorrect information by several employees. There was a clear disconnect and lack of understanding throughout the entire process and I was left frustrated and unassisted. Being in the customer service industry for so long, I don't typically write poor reviews however, this was a disappointing experience for me. With that, I will not be renewing our policy in July.

I am lucky, as I tried Embrace first, and have never regretted it. I heard some horror stories about other pet insurances, but as I stated, Embrace is the first I tried am I'm fully satisfied. Just read your policy that you decide to take and Embrace will come thru. I say read the policy , as some people complaint they did not receive some refund on a bill, but in fact, they probably did not incorporate that item in their policy. Read the policy that you choose and you will be happy !!!!!

We first took Embrace insurance on a free trial basis and during that time had a serious problem with one of our two small dogs. Thank God for Embrace! They took care of a large bill with no questions asked. Here we are with over two years experience with Embrace and we wouldn't be without our pet insurance. We have had nothing but positive experiences with Embrace and can highly recommend them.

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.