Embrace | Pet Insurance Review

I initially signed up for Embrace Pet Insurance, starting with a monthly of $37, which later increased to an astonishing $178 per month. I wanted peace of mind, knowing that my dog would be covered in case of a serious illness. Unfortunately, when the time came to file a claim, Embrace denied it, citing a “pre-existing condition.” My dog was healthy at the time I purchased the policy, which my veterinarian can confirm, yet Embrace insists that her later-diagnosed tumors are connected to a condition supposedly present before coverage, without providing any concrete evidence. Based on numerous previous reviews, it seems I’m not alone in this experience. Embrace appears to use the same “pre-existing condition” reasoning to deny many claims, raising serious concerns about the fairness and transparency of their insurance practices. My dog is no longer with us, yet I still have to deal with this, and it deeply upsets me. Embrace, please don’t waste time responding to this review if it’s only to add yet another standard paragraph about my pet’s “pre-existing condition.” The pattern is clear.

Claim submission is clear and easy. Response is timely. Very pleased with Embrace.

Embrace has been a LIFESAVER. We have 4 (soon to be 5) cats - all of them have some kind of medical issue, and thank goodness we got them all insurance when they were kittens before anything had happened. Embrace has been so wonderful to work with (and way better than human health insurance companies).

Smooth and easy 👌🏿

I have been with Embrace for eight years now. I've had some mixed feelings but have found that the claim process has been easy, the policy has been outlined and reasonably explained. However, the issues I have are in the area of what is and is not covered and the increases. There are things that are not just black and white and I feel a few of my claims were warranted but declined. The response time to the submissions are excellent although not always in agreement with what I feel should be covered. In addition to that, the annual increases have been in sudden significant jumps. Last year my policy went up over 25%. This year, I believe it's going up again. This has made me reconsider renewing my policy.