Jury is definitely out on this company

Out of 10

I went with Embrace due to the good reviews. I think this company has changed.
My claim has been in process for several weeks and they are still asking for more information. While their reps are pleasant and polite, it doesn't mask the fact that it seems they are trying to get out of paying my claim.

I have paid monthly ever since I adopted my kitty two years ago. He ate something he shouldn't have and the vet says he may have IBD. It seems that Embrace is trying to see if this is a pre existing condition to get out of reimbursing me for the procedure to remove the object. I'm searching around for a different insurance company as we speak.

Feel like I wasted money with this company completely.

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Possible IBD
Claim Amount
Over $1000

Mixed Breed

Age of Pet
1 - 8

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Posted: 03/09/2012

I have experienced the same thing over the last month with Embrace. It seems as though they are trying to link everything to a pre-existing condition with my dog. They are taking much longer than their stated claim handling time too. I am also looking for a new company.

Posted: 04/17/2012

I use to be happy with Embrace, they were great. I too have experience similar situation with them and considering cancelling the insurance and self funding myself instead of chancing another fiasco. I use to have AKC and moved to Embrace -- now this -- possibly self funding is the way to go. Will see.