Embrace | Pet Insurance Review

Absolute scam artists. They'll find any way possible to deny your claim, break it down into pieces, classify every possible thing as "wellness", classify all the rest as within your waiting period or a pre-existing condition, and put another lump into the deductible - if they even process anything, because half the time they complain about missing paperwork or medical history. You're lucky if you get anything out of them. Even for a $1500 accident / injury vet episode on a single pet, you might get $500 back - but then think of the hundreds you already paid them to insure the pet for the year. And that assumes your pet actually has any health problems that year. Every time I open this website, I get angry. I've had to fight them for coverage multiple times. We have policies on three pets (two cats and a dog). TLDR: Not even half of your vet expenses are covered under their policy, and you still have to meet deductibles. * Unless you pay for "wellness rewards", which is just paying in advance for services you might not even use, for the pleasure of maybe getting your money back. The only reason we still have this is in case something really bad happens - cancer, broken bones, whatever. I don't know, maybe you get your money back when your pets age, but by then you'll be earning more anyway, and the money will mean less to you than it does now. For healthy pets, this is a ripoff of epic proportions, and it will grind your gears every time you have to deal with them.

Customer service is always friendly, knowledgeable and helpful. Claims are processed quickly!

Zero If the website allowed me. Please, I urge you to go read Embrace's reviews and responses to said reviews on the BBB website. The reviews are more detailed so you know EXACTLY what Embrace's does and does NOT due after they have taken your money! Bottom line: They don't review your pet's medical history prior to purchasing a policy. They self diagnosis your pet with pre-existing conditions and illnesses even when a Vet has NOT, even with medical documentation of no such condition/illness. Then deny, deny, deny!

Always excellent! Very fast claim review and reimbursement!!

For anyone who thinks that pet insurance is not a worthwhile expense, let me tell you, that without the amazing team at Embrace, I would not have been able to pay for the critical emergency care my 10 y/o frenchie Abigail needed during her health crisis. Thank you to Katie, Danielle, Morgan, Marisol and the whole team for helping to save her life and whose compassion and caring is beyond exceptional! I am eternally grateful.❤️ Ann Agnic Mission Viejo, CA