Embrace | Pet Insurance Review

Worst experience ever. They used extremely flimsy claims of preexisting conditions to deny every single dollar that I sent in for reimbursement. Yes, literally every single dollar over an entire year of reimbursement claims were denied. Avoid like the plague. #freeluigi

Hassel free claims - immediate payment. So easy.

Easy to submit a claim. Stressing over my sick pet so this helped.

Embrace was great for over a decade, with reasonable annual rate increases and painless claims, until about two years ago. That’s when they were bought by JAB and both my dogs’ rates suddenly doubled, even when adjusting for age. Embrace then began refusing every claim, pretending there was “no diagnosis code,” requiring five back-and-forths between me and my vet and Embrace before any payout was made. We now have preexisting conditions and it’s too late for us to switch carriers, so we are stuck with a plan almost expensive to use. I thought I was planning ahead responsibly for my dogs’ health in old age, and instead JAB and Embrace has ruined our finances. Zero stars.

I have had other pet insurance, and Embrace is the best. It is so easy to submit a claim. You can take pictures of receipts with your phone or submit them on the computer via PDF. Once you are past those first couple of submissions, claims are processed lightning fast. I highly recommend the behavioral health coverage in addition to illness.