Embrace | Pet Insurance Review

This company is a scam. They have repeatedly delayed and refused to pay the only claim we have ever submitted. Despite my providing all medical records my dog has ever received—multiple times—they continue to send emails claiming additional records are needed. I have told them, in writing, that those records do not exist, because my dog is usually very healthy and doesn’t visit the vet a lot. But they keep asking for more records and stalling. I have had to call them repeatedly, yet the issue remains unresolved and no payment has been made. Based on this experience, I believe this company is engaging in unlawful bad-faith claims handling.

I never expected such a smooth and easy process when I submitted my first claims. The claims were processed and approved the same day I submitted. Never expected a "hassle free" experience. Thank you Embrace.

People call insurance a scam and I couldn’t disagree more. I am now not in debt 9 grand because I purchased an embrace plan.

This is the first time we process a claim. The process was fast and easy. Embrace notifies us that the first claim might takes longer to process but it was just a few days before the claim was approved (teeth cleaning and one extraction). Shortly after, we had to go back to the vet 4 times for ears infection. All the visit claims were processed timely and we are satisfied with the result. Thank you Embrace helping when we need it the most!!!

Horrible. Stay away from this company at all costs. They actually find ways to get out of paying by stating “pre-existing conditions” for everything. I paid almost $10,000 at emergency vet and was reimbursed NOTHING.