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I do not recommend Embrace
I do not recommend Embrace. After taking over a month to review my claims, Embrace denied due to "pre-existing condition". I canceled because I was worried that they would find an excuse to make everything a pre-existing condition for my 4yr old rescue dog. I will say that it was simple to cancel.
Insurer: Embrace
By: Raindog R
I was recently attacked by 3 dogs.. and still had to fight this claim to cover my hero!!
I was recently attacked by 3 dogs. My rescue pup jumped out of my car and saved my life. I then had to fight for weeks to prove that my dog's claim deserved reimbursement. He hadn't seen a vet in over a year so the illness waiting period would be an issue... but this wasn't an illness. This was an accident. The reps explained to me that they needed a full vet report to disclose his disposition, to ensure that it wasn't my dog's aggression that caused this injury. You heard that I was attacked by three 60-lb dogs, and my 30-lb, 3-legged rescue mutt saved my life, right? Like, this whole thing was an accident? And I might be dead if it weren't for my heroic dog's actions? Still, without a vet report, they couldn't honor this claim. In the 11th hour, after crying to a very understanding phone rep, I realized that my dog had a foxtail removed from the same urgent care vet that he went to after the attack. They had the full report. So fortunately, I am being awarded the claim. It's not a ton of money, but it's the principal. I had switched to Embrace from Trupanion. I NEVER had any issues with a claim from them over many years of using them for my cat. I had pleasant experiences on the phone with people but the human I was emailing with was curt and her negative tone made it hard to understand, even when she was telling me something that would help me. All I was seeking was compassion during this trying time, and my main / repeated contact over there was harsh and unkind. Embrace has a lot of making up to do, in my mind. Or I'll be searching for another insurance company soon.
Insurer: Embrace
By: Shayna Rayboy
Scammers do not give them your money!
They denied my claim because they just didn't want to pay out. They said my insurance didn't cover my pet surgery when it says that it does in the policy. Do not give them your business. I believe their good ratings online are paid for.
Insurer: Embrace
By: Josue Hinojosa Jr
Embrace covered the expense from my dog…
Embrace covered the expense from my dog getting hit by a car and breaking her leg. I was so grateful that my dog survived it and then super grateful that I had pet Embrace Pet insurance. They are excellent 👍
Insurer: Embrace
By: Diane Cooper
If it were possible to leave minus…
If it were possible to leave minus stars, I would. Claims NEVER processed timely even for very small amounts. They wait the 14 business days to process to then say that an invoice isn't legible or more info is needed from vet. Premiums continue to go higher with poorer coverage. Used to recommend Embrace to everyone. Would never buy a policy from them again. Total scam, terrible service. And I'd love to contact Embrace in response to its response, but I don't have 3 hours to wait on hold which is what happens. Just try speaking to Embrace unless its a sales person! They're fast to pick up calls to buy a policy and then will ignore you once you're paying a fortune for worthless insurance.
Insurer: Embrace
By: KNYC
Job well done.
The claims are easy to file and are processed and paid promptly. On the one occasion I had to communicate via telephone, the lady to whom I spoke was delightful. She resolved the issue (that I created) and seemed genuinely concerned about my pet's wellbeing.
Insurer: Spot
By: Joseph
Unless you have an accident, Embrace doesn't cover it
They definitely go out of their way to assess a condition as "pre-existing"; for example, my dog was only recently diagnosed with a slightly enarged heart - they said because he was described as having a heart murmur in the past that the enlarged heart was the result of that. Kind of like saying, "His torn meniscus was caused by his pre-existing condtion of walking."
Insurer: Embrace
By: Derek Amarpreet Whitman
No one answers your phone regardless of…
No one answers your phone regardless of which option I choose. Instead of a voice saying your call is very important to us, just say nobody here cares that you’ve been on hold for thirty minutes.
Insurer: Pets Best
By: William Pritz
I always gave a great experience with…
I always gave a great experience with Embrace. Submitting claims are a breeze.
Insurer: Embrace
By: Cynthia Hatfield