Embrace | Pet Insurance Review

Embrace is Excellent! Their website is straightforward and makes it easy to submit a claim. I had a question for Customer Service and they were very helpful.

10 days ago, I reached out to ask why my rate increased by 150% from last year to this year. No answer. Disappointing, but they have lost this customer.

I give my highest recommendation to Embrace Pet Insurance. They have always been very prompt in reimbursing my submitted claims and I felt so reassured with their responsiveness and support when my 5-year-old lab was suddenly diagnosed with a cardiac mass. This period was especially difficult financially with all the costs of his diagnostic tests and treatment exams and Embrace reimbursed each of his procedure claims quickly and with the warm response of wishing our pet well. When he passed away and I submitted the euthanasia claim, not only did they again, reimburse quickly but they also sent me a personalized card in the mail that was quite touching and appreciated. I have absolutely the highest regard for Embrace Pet Insurance! My family and I have appreciated all the extra "human touches" that make them more than an already great pet insurance for their quick and consistent claims reimbursement. Thank you, Embrace!

You make the claims process easy! And the claims are often processed on the same day they are submitted! The claims process was cumbersome with our previous pet insurance. My recent customer service call with Cassie was a breeze. All of my calls have been extremely positive. Your reps are kind, listen, and try and say "yes."

I cannot express how bad this company is. I switched to Embrace after Nationwide raised their rates so high that we could no longer afford them. I knew that the two pre-existing conditions our dog had (lixating patella and collapsing trachea) would not be covered, but I discussed them with my vet and he agreed that both were mild cases, not getting any worse and we would not go after treatment for either. About six months after signing with Embrace, our dog came down with Pneumonia. Embrace denied all claims. Their excuse was that because our dog had come in with a cough due to the collapsing trachea in July of the previous year, Pneumonia would be considered a pre-existing condition. My vet rejected their excuse and wrote back that the pneumonia had nothing to do with the previous cough. They refused to pay. The pneumonia got worse, and to a point where our dog needed to be hospitalized (the very sort of thing I bought insurance for). We were several thousand in to treatment, and an emergency vet needed to place her in their hospital. I couldn’t afford the $5000/night cost. We tried our best, but we lost our baby, and it’s Embrace pet Insurances fault. If I were rich, I’d sue them simply out of principle. They were very much in the wrong, but there’s no way to fight them without money, and they know it. Stay away from this company. They are thieves.