Embrace | Pet Insurance Review

All my interactions with the Embrace representatives have been good. I would give it 5 Stars if the company's wellness and routine cap was higher.

This company will find a way to deny any claim. They label everything as preexisting. I submitted over $2000 in claims and they paid $125. They even denied euthanasia drugs!!!! Calling them always results in 20+ minutes on hold and then being told someone will address your issues and email you. I will not recommend them to anyone.

Took almost 2 months to settle a claim, then came with a list of exclusions. Some even made up after the start of the policy and conditions my dog had never been diagnosed or treated. If your dog has ever been to a vet, good luck.

I continue to experience excellent customer satisfaction with every aspect of Embrace !! From being able to send in claims online to the fair treatment of how the claims are reimbursed accurately. They are also available by phone and answer questions cheerfully. Absolutely the BEST customer service.

I would NEVER recommend Embrace Pet Insurance. I had a policy and paid premiums for 24 months before submitting my first claim. They waited till first claim to do ANY checks and disclose any “pre-existing” conditions they refuse to cover. How about operating with integrity and doing this right upfront? They will hide behind legal disclaimers saying it was “optional” but who wouldn’t want to know what’s excluded from day 1? NOT after paying 24 months of premiums that they won’t return. Imagine if health or life insurance worked that way??? Pay your premiums and when you get sick we will inform you this was a pre/existing condition with zero coverage…. This is completely shady!