Embrace | Pet Insurance Review

I adopted 2 corgi puppies I spent 3 days researching pet insurance companies. I chose Embrace as the customer service reps were kind and appeared to be knowledgeable. I wanted insurance that wad to begin immediately. Even though embrace wad the most expensive, I was told it was effective immediately. I had already set up apt. With vet for 03/18/2025.,that same day. When I was emailed policy I noticed date effective was listed as 03/20/2025. I called and was put on hold. I was told that the wellness exam begins immediately but illness and injury begins. 03/20/2025. I copied vet bills and emailed them to Embrace. Next day I receive email stati g bills are not clear. Really I can read them. I took another photo of bill and emailed. Today I receive email stating since insurance is not effective until 03/20/25, insurance will not cover wellness. I am paying extra for wellness for both dogs. It appears agents are kind but do not know what is covered and when it begins. This is a scam. I wasted time and am truly aggravated. Do your due diligence before closing any pet insurance. I have requested they reimburse the $252.00 billemy visa. Awaiting responce.

I LOVE Embrace Pet Insurance. They have made it very simple and quick to submit a claim. The drop down menus are great. They save me a lot of time.

Submitting claims via the website is simple and the company has covered what was in the policy. Their response to claims has been quick. I would definitely recommend this company to other pet owners.

Super fast reimbursement. Less than 48 hours from claim submission to direct deposit being made.

The claims were processed quickly and I was reimbursed quickly.