Embrace | Pet Insurance Review

Same old same old as any other insurance company. Every angle is covered to get out of paying claims. The typical denial of payment because of some irrelevant information that they are missing, inaccurately attributed unrelated new health issues to pre-existing conditions, inordinate delays in response after placing claims on hold because of “review” process. Be prepared to pay out premiums in addition to having to pay for vet services out of your own pocket. Completely taking advantage of owners’ love of their pets.

Quick reimbursement and covers alternate therapy for my dogs arthritis. Love embrace

Please STAY AWAY FROM EMBRACE. I would not recommend them to my worse enemy. They prey on people who love their pets, then do everything in their power to weasel their way out of coverage. DO NOT TRUST THESES PEOPLE!! 1. They dig into the smallest "preexisting condition" not to cover your pets. In this case they blamed a self inflicted scratched eye from a dry eye in 2022. Once my opthamologist was able to prove thats its not from dry eye, they want additional proof from my primary doctor. They then blamed a scratched eye from cataract. 2. They pride themselves as "24/7 Pet Health Line Through Pawsupport" that's a LIE. You can't reach them outside of their business hours. 3. Increased my monthly coverage by more than 50% without telling me. You can't find the billing statement unless you call to enquire or check your bank account. 4. It's hard to send them additional proof through the portal if you'd like to dispute their decision. You'd have to call and ask for an email. These people are pure evil and unethical, they DO NOT CARE about you or your animal. Please, do not make the same mistakes I did. THIS BUSINESS IS A SCAM!

Had Embrace for 2 years and my pets are healthy. Very responsive and easy to use. May seem expensive but like any other insurance, you hope to never have to use it!

Worst decision I made was switching to this insurance company. Final act was when they refused to cover any cancer for my dogs in the future because a skin tag that was removed wasn’t aspirated. Even though notes from vet stating nothing unusual noticed on removal they refuse to cover any type of cancers in the future. Trash company!