Embrace | Pet Insurance Review

It was very easy to use.

They're customer service is great! They've never denied a claim. So far good right? Our dog got a cancer diagnosis. The claims got pretty expensive. We ate up about all the the $5000 coverage. So this year our rate went up to $6474.21. Than means to get $5000 coverage we have to spend the $500 deductible plus our 20% portion ,$1000, plus $6474.21. Full coverage from Embrace will cost us $7974.21! Response to Embrace's reply. I'm not going to go over all of the numbers. Every option I was given, increase the deductible, lower the percentage Embrace would cover or both. The bottom line is the cost of coverage will be well over $1000 more than paying for our dogs medical expenses. With that said, I realize Embrace is not in the charity business. I do feel in this case that honesty is the best policy here. Saying it makes no economic sense for me to continue using Embrace. The expense would be far greater than the coverage is worth.

I'm not to techie, so I sometimes struggle to get my claim information to you. But you are prompt with you replies and keep me informed along the way. Thank you

Embrace was a little slow in getting my claim process started, but once we worked out the paperwork, they have been very forthcoming about paying me back for my dogs medical costs. I would sign up with them again based on my experience with them

I cannot endorse Embrace Pet Insurance unless you enroll your pet immediately after birth. Any health issues your pet had before enrollment are considered pre-existing conditions. For instance, my dog had an ear infection a few years ago, so any future ear-related issues aren't covered. He also had diarrhea once, which counts as a pre-existing condition. Additionally, he needed to have a tooth extracted, meaning dental work is not covered. Two years ago, my dog exhibited signs of a potential seizure before I had pet insurance, but he was never officially diagnosed, so it was never confirmed. Fast forward to now, my dog experienced multiple seizures one night, and it required an emergency vet visit. When I submitted a claim, it was denied due to pre-existing conditions, meaning the ER visit and any necessary future medications will not be covered. I understand their perspective, although I disagree with it. I wish it had been clearly communicated when I signed up that his policy would essentially provide no coverage. Had I known, I would not have purchased the policy at that time. I feel deceived and betrayed. I cannot recommend Embrace Pet Insurance because, when I needed them, they were not there for me.