Embrace | Pet Insurance Review

After several months evaluation they covered virtually nothing for my dog. Then they would not accept my email to cancel. No cancel feature online or in app. You have to call. Horrible experience

Embrace is generally good. Sometimes it’s frustrating to get auto-generated emails about claim status without the details needed to make it progress. They’ll say they’re contacting the vet for medical information. The problem is that the information seems to have already been provided and they don’t specify what’s missing. Other than these situations, Embrace is reliable and easy to use.

This company will use any excuse and any liberal way of interpreting medical results to weasel out of paying a bill. They declared Valley fever to be a pre-existing condition when a titer result was questionable to a vet. Then when a subsequent titer was negative, they declined to reclassify. This was but one example. Every claim was questioned using a phony interpretation of symptoms. DON'T BUY THIS INSURANCE!

Helpful support team and very good at taking care of what we needed.

WE HAVE HAD THIS INSURANCE FOR OUR, ALMOST, 2 YR OLD CAT. BEFORE THE INS. COVERAGE, (OVER A YEAR AGO), HE WAS SICK. NOTHING WAS DIAGNOSED. BUT, HE GOT BETTER HIS APETITE WAS REDUCED AND HAD SLIGHT FEVER. ROLL ON TO THIS JULY.. HE WAS LISTLESS, LAYING AROUND, GENERALLY UNHAPPY. WE TOOK HIM TO GET CHECKED OUT. CLAIMED FOR APPT WITH EMBRACE, THATS WHAT ITS FOR. CLAIM WAS DENIED DUE TO 'PRE-EXISTING CONDITION OF "REDUCED APPETITE"' SERIOUSLY, EMBRACE? WHEN IS THAT A CONDITION? HAVE HAD TO GET VETS LETTER FOR EMBRACE TO EXPLAIN THEY HAVE THEIR WIRES CROSSED AND THE TWO ISSUES ARE UNRELATED. WE ARE CURRENTLY 'IN REVIEW', MORE THANK THREE/3 MONTHS LATER!! NOT A FAN OF THIS COMPANY.