Embrace | Pet Insurance Review

I adopted 2 puppies. Prior to picking them up I researched 5 pet insurance companies. I decided to purchase Embrace as the customer reps. we're fantastic on the phone . They answered my questions. I made an apt. With my vet. fot 3/18/25. I picked up the pups and a few days later I called Embrace to ask when the effective date of the insurance would begin. I was told immediately on 3/18/25. I explained they had a well checkup that afternoon. They assured me the visit would be covered. Later that morning I received an email with the policy info. This stated the effective date was 03/20/25 not 03/18/25. I again called back and was asked to hold on so the rep. could double check. She came back on and explained the wellness portion was effective 03/18/25 but the illness and accident portion begins 03/20/25. I bring them to the vet. I make a copy of vet receipts and email to Embrace. Next day I receive an email They cannot read vet receipt as it is blurry. Really I can read it. I call them, they ask me to repeat make another photo and email it. I do so. Then they send me email that coverage does not begin until 03/20/25. Therefore denied. I believe this is a scam. I have emailed them again requesting to cancel and refund of $254.00. No response. Do your due diligence before chosing pet insurance.

Easy and fast to submit a wellness claim.

The only reason I’m not giving Embrace 0 stars is because the sign up process was easy, and I was able to get only a 14 day delay after submitting my Vet’s exam before the orthopedic portion of the policy became active. My dog has no preexisting conditions nor did I submit any claims during the policy year. Then I get a renewal notice that my policy is going up over 50%. I’ve cancelled Embrace. I’m updating my comment based on the Embrace reply. If I modify my coverage further, it’s definitely not worth having. The Embrace reply is the standard language all pet insurance companies give everyone. I’ve contacted the State of Maryland department that handles pet insurance in the past and was told they can’t do much to deny the rates as the paperwork these pet insurance companies submit to justify their rate and claim decisions is hard for the State to argue against. Not a lot of State resources to deal with pet insurance these days.

Extremely user friendly. No problem sending the claim at all.

Embrace pet insurance gives me peace of mind. I can take my Westie to the doctor and not pay an arm and a leg for medical bills. The process for submitting claims is user-friendly.