Embrace | Pet Insurance Review

Now that I moved to another state I'm having issues with submitting claims. SPCA Medical Center requires a deposit to schedule an appointment and Embrace is not understanding how that works with two receipts and now is putting claims on hold. Unable to get a Rep to get to the bottom of why they can.t ubderstand the two receipts.

Complete scam . Had the insurance for over a year . Never went over my deductible. As soon as I got close to the deductible they raised my monthly rate by 75$! Almost doubled it

"After a year of faithfully paying premiums to Embrace Pet Insurance, I'm utterly disappointed and feel completely misled. My experience with their claims department has been nothing short of a nightmare. In January, my cat sprained her paw, and I took her to the vet for an examination and diagnosis. I submitted my first claim, expecting a straightforward reimbursement, especially since the vet bill was less than my deductible. Instead, I've been met with a frustrating runaround. Embrace is now demanding 'notes' from my cat's pre-existing veterinary records, despite having already received and approved those records when I initially signed up. They claimed all information was complete and issued my policy. Now, when I need them most, they're suddenly claiming they need more information. This feels like a blatant attempt to avoid paying a legitimate claim. The fact that they requested and received the full veterinary history prior to issuing the policy, and then demanded additional "notes" after a claim was submitted, shows a lack of integrity. This is not how an honest company operates. After a year of paying premiums and dealing with this frustrating experience, I've cancelled my policy with Embrace. I cannot recommend this company to anyone who values their pet's health or their peace of mind. They are not an honest company, and their claims process is designed to frustrate and deny legitimate claims. Avoid Embrace Pet Insurance at all costs."

We have been clients for our three dogs for six years. The claim process is easily navigated and promptly paid

Filed claims for my Newfoundland and had them approved within days and had my checks within a week of that approval.