Embrace | Pet Insurance Review

Sometimes I get frustrated with insurance companies. Embrace is very responsive and patient especially when I call them. They seem to always have time to explain the claim in process.

Again - I give them 1 star only because I cannot give negative. They will respond here saying how sorry they are for me for my loss and how they care. THEY DON'T! Embrace denied euthanize claim based on my 15 year dog had a growth/wart and also had a tumor. They really claimed that a skin wart is a pre-existing condition for an internal tumor. I kid you not. They will take your monthly premiums and NOT pay any claims. My dog went fast - within 3 weeks from getting sick to passing. 3 Claims - all denied for "Pre-existing" issues. They will stretch and patch whatever they want and deny any claim for any reason. No they don't care about you like they will respond they do. Stay away from Embrace.. Trust me.. they care about money and not your pet or you. WARNING - EMBRACE denies claims if your dog's nose is "wet". Yes you are reading this correctly. Had to put my dog down of 15 years and EMBRACE denies the claim because my dog had "a cold and wet nose". Now - all dogs have cold and wet noses and 2 months prior to his passing the vet noted it and that it was a good thing. YET - Embrace denies the claim with a stretch link that a wet nose is a pre-existing condition causing the demise of any dog. I KID YOU NOT! DO NOT USE EMBRACE - EVER!!!!!

It was easy.

Great experience with Embrace.

There’s no reason why a claim should take over 6 months to process. There’s no reason why there should’ve been zero movement on a claim for over a 6 month period where reps of embrace just abandon the claim and leave clients high and dry. There’s no reason why I as the paying customer should be doing the representatives jobs and contacting all of these clinics myself to gather medical records that they’re suppose to retrieve. My claim sat for over 6 months because my rep didn’t want to pick up the phone and contact the clinic my dogs rescue brought him to before we adopted him. It took me 3 minutes on the phone to gather the information that they couldn’t gather between the time of June to January. My wife and I will be exploring new pet insurance from a different company.