Embrace | Pet Insurance Review

We have had embrace for about 12 months now on our 1 years old boxer. The policy doesn't cover meds while being treated at the vet or at home. My fault should have read the policy coverage better. My understanding was meds at home not covered. But was wrong. after 1 year the policy more than tripled for a 14 month old boxer. We relocated from CA to AZ which reduced the cost of care by 50%. I would not recommend embrace for anyone. I had Trupanion for another boxer and had it for 13 years. Never did we have a rate increase like this and it was a better policy.

I honestly regret choosing Embrace Pet Insurance. My experience with them was beyond frustrating and felt incredibly misleading. I submitted a claim and waited over 5 MONTHS for them to process it — only for them to deny it in the end. During those entire 5 months, it felt like they were just dragging things out while continuing to collect my monthly payments. The worst part was that they kept claiming they were “waiting on specific documents” from my veterinarian, even though my vet had already sent ALL consultation notes and records multiple times. Instead of actually calling the veterinary office to resolve the issue quickly, they would only send emails back and forth, causing even more delays. I personally tried to send the documents myself to speed things up, but customer service repeatedly told me there was “nothing they could do” and that I just had to wait. No urgency. No support. No accountability. Then after waiting over 5 months, they finally denied the claim by saying the condition was “pre-existing” or “pre-diagnosed.” After that, they denied THREE MORE of my claims as well. At that point, I felt completely scammed and misled. What’s the point of paying for insurance every month if they delay everything for months just to deny claims in the end? I canceled my policy immediately. I would never recommend Embrace to anyone who actually expects help when their pet needs care.

If you are on the fence about pet insurance get off and run do not walk. They are TOP KNOTCH

The first time I put in a claim, it was fine two days and they deposited into my account but the next time I put in a claim about two weeks later suddenly I can’t do it online. I can’t log into my portal. I have to mail it in so I have to wait. I waited an hour and a half on the telephone to find out what was going on and they simply say we’re having trouble. The techs are working on it so I’m done as much as I pay for four dogs. I want somebody that covers takes care of the claim and doesn’t give me the runaround Around.

The assistance received was good and professional. It could be avoided by allowing a payment method to be updated while in the account versus calling Embrace. If allowed to do so, I wouldn't be asked to rate my experience.