Embrace | Pet Insurance Review

I have not had to submit a claim thank goodness but did need help with my account and adding on a new pup. Tyler the rep that helped me was friendly, fast, and efficient. Thank you for access to a live person. My issue would have been frustrating to try and fix using AI chat bots.

I will never recommend Embrace to anyone! Delay Delay Delay. You kept saying you needed medical records when our providers sent them 3x! Then you denied claims that should have been covered under our policy. and then, our premiums almost doubled after a year!

They love to claim pre-existing conditions on EVERYTHING and reset the clock for another 12 months after they deny your claim. They claimed pre-existing conditions on my cat getting attacked and injured because she had been in a fight 7 months earlier.

Honestly, if I could give them a zero I would! I already canceled my policy and will be looking elsewhere for pet insurance. My Maine coon cat was seen at her initial visit and in the doctors notes he put that she had some eye drainage. We were referred after our waiting. Period to an animal eye doctor where she was diagnosed with entropion. The adjuster went back-and-forth for two months with me and then we were denied due to her having a “pre-existing condition” because she had eye drainage. And quite honestly, after speaking to the adjuster on the phone about the issue, she was just completely rude and offputting.

I just submitted a claim today. I'm new at this so I'll see how they handle.my claim for my Gracie