Embrace | Pet Insurance Review

Reviews of medical history are overly general and appear to be designed to exclude coverage for possible future claims in a broad fashion. The user should ensure that specificity is requested of the claims adjuster completing the review to ensure accuracy. Claims are paid quickly though, so I'll give a second star.

I have been waiting for a review of my submitted claim for almost 3 months. After I tracked down all the information Embrace requested to rule out a pre-existing condition, I continue to wait on their response. Don’t waste your time trying to reach a human on the phone. The wait is almost always over 1/2 hour and it could be more but I always end up hanging up. Additionally, the website always has glitches and redirects me to an unresponsive page. I’m not sure what’s going on with this company but I’m willing to wait and see how they respond to my claim.

Embrace took way too long -- and engaged in no proactive follow-up -- to gather my dog's prior vet records and then took an overly broad view of my dog's preexisting conditions. I am very disappointed in Embrace and don't know why Forbes rated them so high.

Embrace has been easy to partner with for the health of my cat. When my boy passed away, the Embrace staff were professional and supportive. They were always prompt with claim payments. When I called to remove home from the policy, I was immediately refunded that month’s prorated premium (I was not expecting that).

Renewal for our 5 year old dog with zero claims for the last 4 years was DOUBLE last year's premium. When I checked a quote as if we were a new customer it was barely half. When I called to talk about it, the rep had no official answers. But it turned out if I change anything to "reset tenure" then with a small waiting period the quote would be cut nearly in half with no significant "pre-existing conditions". Feels like dealing with shady company (like all insurance companies) that will happily over charge you like this. The rest of the service has been good, the website and information provided so 3 stars.