Embrace | Pet Insurance Review

BEWARE! On the verge of getting legal counsel! Only gave 1 star bc I couldn't give 0 (zero). This company is always ready to find an excuse to not pay. Undue stress with every claim. Extremely expensive monthly premiums ($300.00 for two dogs, this is EACH MONTH! ) for the amount of aggravation you go through over EACH claim! Very slow in processing and they DON'T do their job. They say they send requests to vets but when you call the vet the vet tells you they were never contacted. They constantly ask for medical history because they want to put things under pre-existing conditions so they don't have to pay. Even the vets ask why do they need the medical history, nothing has changed! This is the vet who says this! Horrible customer service too. You can never get a manager. No one is there. They are in a meeting. Or, they left. Nothing but a constant argument. Horrible! Horrible! Horrible! First denied they covered teeth. Had to get a screenshot from their website that advertised they are covered if fractured. Doctor told them they were fractured. Now denying it because they say they were worn. They Just don't want to pay the $2500.00

Always so fast at reimbursing and making sure we received the payment. My dog suffers seizures and it takes a lot out of us but knowing that his care is covered gives us peace of mind.

Embrace has been wonderful : easy claim submission, timely processing. Very very happy with them.

Although I was not contacted to inform me that the invoice didn't attach in the email Embrace staff quickly requested it from my vet. When I emailed about the issue I received fast responses and everything was fixed quickly and the claim was processed.

I am canceling this insurance as soon as I am done typing this review. I have had thousands of dollars in bills and they have only paid one claim and the check was for only $34.oo dollars. All I can say, is that I should have believe the bad reviews and never gotten this insurance. Be very careful because they are very sneaky, they pretend they are there to help you but all they want is to get information to use it against you or to say that they cannot prove the bills were not due to a preexisting condition. They will argue and fight you until you give up. Like I said, this is exactly what I read in some of the reviews when I was researching embrace I should have listened. I am very disappointed and will never say anything good about embrace