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Conditions are apparently the same as symptoms
Embrace plays fast and loose with "pre-existing conditions." It's not just the conditions they won't cover, but the symptoms or "clinical signs." Per a service rep: "Had [your dog] been treated for diarrhea, that would have also been a pre-existing clinical sign, so any related condition would be ineligible for coverage unless definitively ruled out to have been present at the time of onset and any subsequent pre-policy episodes." So if my dog has diarrhea because they have a parasite, and then have diarrhea again for another reason, nothing would be covered because they'd already had diarrhea. It's mindboggling how they truly don't have to cover anything. They wouldn't even cover a fecal exam to check for parasites despite another dog in the house having parasites. I am kicking myself for signing up with them.
Insurer: Embrace
By: Cynthia
Very disappointed
I was Terri my disappointed with Embrace and how they handled my two claims that were submitted at the beginning of this year. After submitting a claim there was little confirmation. When there was a response the said they needed more information from the providers. Information was submitted and then they wanted information from the very first vet that gave Hope her first shots when she was not with us and we didn’t have Embrace as our insurance. This process literally took several months, oil e calls and emails back and forth. Once all the information was submitted they said they had to review it AGAIN. SERIOUSLY! It literally took 5 months and a lot of prodding to get them to pay their portion of the bill to me. Very disappointed. We are looking into other insurance companies where we won’t have to deal with this type of craziness.
Insurer: Embrace
By: Cheryl
Happy puppy
Everyone that I worked with was polite, professional and made it clear that they only wanted this process to be as stress-free as possible. I couldn't be more pleased.
Insurer: Embrace
By: Scott Dearth
They are always timely on reimbursement…
They are always timely on reimbursement and have always paid claims without any issues. I am 100% satisfied!!
Insurer: Spot
By: Tammy
Embrace is a wonderful company to deal with.
Embrace is a wonderful company and I have recommended them to may people.
Insurer: Embrace
By: Cynthia Grunda Kelly
So far it's been great
So far it's been great. App is easy to use. No issues so far!
Insurer: Spot
By: Valerie Webb
I tried to reach a vet to ask a…
I tried to reach a vet to ask a question, after being “on hold” for almost 45 mins, no one ever answered me.
Insurer: Spot
By: Sandra Franklin
Regret
We are regretting using Embrace for our pet insurance. Between vets who are quick to diagnose a medical problem with outrageous expenses but don’t take the time to evaluate pets for more serious underlying diseases to insurance companies who are quick to escalate premiums without approving claims. We are very disappointed with both insurance companies and the outrageous costs veterinarian practices charge.
Insurer: Embrace
By: R G
Ease of making a claim and speedy…
Ease of making a claim and speedy reimbursement.
Insurer: Spot
By: Pat