Embrace | Pet Insurance Review

I had an Embrace policy for 12 years, moved to a new state and they wanted to double my premium due to "Market" in my new state. I provided documentation showing that everything for a vet visit was cheaper in the new state than the previous. Not having a footprint in a state (I checked with multiple vets, and none had any experience with Embrace) should not be reason to screw over a long-time policy holder. I canceled my policy after they were unwilling to offer any assistance.

Embrace is the best pet insurance I've experienced. We've had one or two frustrating moments in discovering what is or isn't covered, but the truth is, it's almost always right there in the contract. The only reason I won't give five stars is that we did try to appeal one claim for our now-deceased dog with notes from veterinarians and everything, but were still denied. We still think some portion should have been covered, but we grew too tired to continue to advocate after her death. But we still happily use Embrace for our other three animals.

Website slow and the list of diagnosis limited. I’ve had nothing but troubles with this company. The first year we had a claim they made us jump through so many hoops I almost gave up. Finally, in the end they paid for part of the claims. We’re on our second year now and our premiums doubled. I’m in the process of looking for another insurance company. On the front end, when they answer the phone, they’re very cordial and friendly, but as you move through their system the phone calls become more abrasive, harder and short. After talking to several veterinarians They said that Embrace was not their first pick as a pet insurance company.thats easy to work with. My suggestion would be to look around a little more at other companies.

This is my first time making a claim. First, it kept telling me to add my "receipt of payment" method. I tried FOUR times to enter the routing number and the checking account numbers & received an error message each time. The error message contained an 800#, but it was visible for such a short time that I never caught it. So, I called both of the customer service numbers - ha, too bad, nobody was available to assist. Call back when they're open. This is the time that is convenient for me!! Last evening, my dog ingested raw scallops (fish); I was concerned the fish may be toxic, so I contacted an emergency vet clinic, which directed me to the Animal Poison Control Center. Your "Diagnosis Ladder" had no listing for APCC, so I wrote the info in the box below that area. Then I read where my claim may be delayed because there is no diagnosis. Well, I tried! Geez, the site didn't accept my attempts to enter my checking info, so it'll probably be delayed anyway. So far.....not impressed!

Everything was handled quickly and easily!