Embrace | Pet Insurance Review

My six-year old husky mix developed two fat lumps recently - I contacted Embrace about having them removed - Embrace declined saying that my dog had a pre-existing condition, a small pink raised bump in her armpit that had been looked at by my vet several years ago. The bump went away on its own and never come back. I contacted Embrace about the claim denial and they said for me to have me vet send a letter sating her opinion on what the lump was. I did that but felt little hope that the outcome would be good. Most health insurance companies animal and human are in the business of making money and one way of doing this is by turning down claims using a plethora of loopholes. I have to say I was quite surprised and happy that Embrace read my vet's report and reversed their decision. I might also add that I researched the top pet insurance companies obsessively before deciding on Embrace - Glad I did - Thank You Embrace

Brady is 10 our year old King Charles Cavalier Spaniel. He was diagnosed with a heart murmur approximately 2 years ago. Upon relocating from PA to NJ we naturally switched veterinarians. His new Dr. recommended a complete cardiac work-up including xrays, cardiogram and bloodwork to ascertain the severity of his illness and to determine a treatment plan. I did have the work precertified so I would know exactly what the out-of-pocket expense would be. When the work was done and the invoice submitted, Embrace initially did not pay the amount previously indicated. I immediately called to discuss the situation. The staff was very sympathetic and eager to resolve the situation. Two days later I received an email that they had reviewed the case and would be correcting my refund. I truly appreciate that they lived up to their word.

I've never had vet insurance before. So glad I got it. Embrace has been great to work with and have done everything they promised. We had a cancer scare this year and it such a relief to be able to get the workup we needed without freaking out about the cost. (All is well!)

My young MinPin quit eating, began to have very loose stools. Test after test done...couldn't figure out what the problem was. I had to feed him boiled chicken breast to get him to eat. Eventually, a specialist was consulted and we tried different dry dog food. It worked!! Embrace was VERY quick processing my claims and reimbursing the expenses. Thank you, Embrace!

Embrace initially denied my claim because my dog was stung by a bee before having coverage resulting in hives. She was allergic to the bee which most dogs are and I had called my vet on how to proceed with how much benadryl to give. When the the hives didn't clear up as fast as I wanted my vet told me to come in for a steroid shot even though another dose of benadryl probably would have done the trick (I was a new pet mum and a worrier so he wanted to ease my mind). This was documented in her vet records so Embrace had it in their notes. My girl got sick two months back with a very rare autoimmune disease that initially presented as hives, SHE WAS NO WHERE NEAR A BEE AT THE TIME MIND YOU. But none the less her claim was rejected by Embrace because this was considered a "pre existing" condition because apparently she is NEVER allowed to EVER have an allergic reaction to anything ever again even though this was not even remotely related to a be sting. So her condition worsened and what started as a simple case of hives turned into a resistant staph infection and then ultimately a rare autoimmune disease called Erythema Multiforme which could be fatal. I was up to 3,000 in vet bills at this point. Embrace had started to cover the SOME of the staph infection and the EM but waited weeks upon weeks to even look at my appeal. I got an email saying that the appeal would take 10-15 business days, but then found out they did NOTHING until day 16 when they FINALLY sent a request to my vet asking what the allergic reaction was!!!! They already had ALL of my vets records!! From the day she started seeing him!!! They rejected the claim because of the allergic reaction!!! I was furious, I called costumer services and they had NO ANSWERS for me what-so-EVER. FINALLY after 23 BUSINESS days and two 1/2 months after me submitting the original claim the denial was reversed and I did get coverage and then all new claims were able to be processed and I was able to get coverage for the staph infection ones they weren't covering and the "hives DX" ones that hadn't gone into appeal. So even though it was frustrating and I hated dealing with them, I am very glad I had coverage because they covered 80% of my bills and I would be lost without that money right now! It was way more of a hassle than it needed to be and at times I wanted to scream and more then once I did, but I am truly grateful to have the insurance.