Embrace | Pet Insurance Review

This company is just like every other insurance. They will use every excuse they can find to NOT cover a condition. If they worked as hard to help pets be healthy as they did to get out of paying a claim, their patients would be a lot healthier. But instead, they define all pre-existing conditions in the broadest possible terms they can legally get away with. I have far too many examples of this to fit in a review, but I'll give one: They tried to exclude all skin conditions on a 6 month old puppy b/c she first came home to us with fleas and had a few visible bites. If you think that's reasonable, roll the dice on them. Personally, my most recent experience with Embrace was the straw that broke the camel's back to convince me to find a different pet insurance. -------------------------------------- Edit on 3/9/26 to respond to Embrace's total pandering reply: Being unable to cover pre-existing conditions is not what you do. What YOU do is take any mention of any type of symptom and broadex the interpretation to include as much coverage as you possibly can. I have SO MANY examples of this: 1. my dog threw up one time 4 years ago, you let me pay for coverage for a year and THEN tell me you won't cover any GI issues. That's neither reasonable nor accurate. 2. my vet notices that my dog has papules on her skin in her first ever puppy exam -- these were flea bites b/c the place we adopted her from didn't give her the right dosage flea and tick medication. Our vet gave her the right flea and tick dosage and it was gone. But you excluded ALL DERMATOLOGICAL conditions. Go to hell.

Rachel was very pleasant, knowledgeable and solved my problem.

Cats have pre existing conditions. Did they forget to tell you they would not cover these?

This company is a scam. I just realized that they have not paid a single claim since we signed up with them. They are claiming that every time we have to visit a vet its due to pre existing conditions, even though the vet says there's no indication of pre existing condition connection. And the appeal process is BS. there's been no follow up. We've been paying $167.57 per month for several years. What an absolute joke.

Would never recommend. They dragged my pets review process for 4 months and then gave me a list of 16 pre-existing medical conditions which were ludicrous. Never filed a claim and cancelled and they refuse to refund me for the 4 months I paid. There's better options out there. THEIR RESPONSE BELOW shows how ridiculous they are, they did not even listen to my complaint. It's not about claims, it's that they dragged her approval process for 4 months while collecting her premium and then replying with 16 pre-existing conditions that are laughable. There are 3 actual pre-existing conditions. I told them to cancel my policy and refund all my money since they dragged it out this long. There are no claims and no money paid out. STAY AWAY THERE ARE BETTER COMPANIES OUT THERE