Embrace | Pet Insurance Review

I like this provider because: IN MY EXPERIENCE Most of the time the program or app is easy to use and understand. SERVICE DRAW BACKS or PROBLEMS: Reimbursements are sometimes slow from this provider.

If I could give zero stars I honestly would. The coverage for what you pay is TERRIBLE. I mostly cancelled because of the lack of regular vet visit and preexisting conditions coverage (which is standard for pet insurance), however, in the process I learned that for the SAME PRICE, I signed my two dogs up with Spot for DOUBLE the coverage for the SAME price as the bad coverage by Embrace. Don’t sign up for Pumpkin either, they’re sister companies. Spot is the way to go. I suggest reading other reviews! Also, the customer service rep was super nice until I canceled and then she was short and rude.

Fast response, fast proccess. They seem to go above and beyond. Great job.

Horrible experience. Lost a lot of money that I can't afford due to their ridiculous pre-existing conditions policy. For example, I had a check-up scheduled for after the waiting period. During the check-up, I mentioned a couple of things off the top of my head such as i noticed increased thirst and guessed "a couple days ago" which was documented as a day before coverage went into effect. So, after waiting over 5 months, they come back and determine NOTHING in the check up was covered due to that. and EVERYTHING remotely related to everything at that visit was to be considered 'pre-existing'. Also, he had a slight yeast ear infection the month prior to coverage. He got a bacterial hot spot while at the beach 6 months later on his ruff area and this was considered pre-existing bc ear and his neck are both skin and no skin-related issues are to be covered bc of ear infection

My cat is quite old and has kidney disease. She visits the doctor a couple times a week for fluids and takes several medications. She's doing really well, which helps, but what helps even more is that Embrace is reviewing and approving my invoices the SAME day I submit them, and the reimbursed funds are usually in my account the very next day. To me, this is INCREDIBLE customer service. I've been using Embrace for 20 years, and I've never had a problem.