I submitted a claim that clearly stated the reason was Ear infection. Someone decided it was Environmental Allergy and denied it. I chatted online and he said send SOAP notes, which I did. Denied again and, per phone call, now they say it was denied due to a Preexisting condition. I've had insurance with them for more than a year. Are they saying she's had an ear infection that long? Really? Now I have to jump through hoops to appeal?? Unbelievable!!

Hard to navigate website. Should have a section for “other” so that clients can better explain why they are submitting a claim as some of the listed reason’s doesn’t seem to apply. Customer Service Rep was great however, the explanation given for questions asked didn’t really make sense when requesting mental information 2 years ago, when a claim for submitted/paid and that information wasn’t required.

We purchased our fur baby at 8 weeks, he had blood work done by our vet and had elevated liver numbers. He came to us with insurance for 30 days, after that time I switched to Embrace because I had another dog insured with them . Our baby was never sick until over 16 months later and then had pancreatic. Embrace denied the claim because he had a history of elevated liver enzymes even though that had never made him sick. Really check what you are getting because I truely believe this was unfair. I now know there are a few great companies that only have 6 month wait on previous conditions but in my dogs case there was not any previous problems or symptoms except for slightly high liver enzymes.

I have paid in 83$ a month for 5 years. My bills were over 3k and I recover 400$?

Advertisement for metlife and when you are signing up highlighted quick claim process. It doesnt say 7-10 days or longer to review & process claims. It is in the handbook very deep its not something clearly highlighted. I've waited up to 15 days for a claim to be processed. I make sure to even get SODA from vet office and submit all together and the time frame is still long. I've notice while deductible is still due claims are processed quicker as its applied toward deductible 3-5 days to process.

My wellness exam was misread.I was told it was read by an automated system. Still waiting on the correction. The representative was very helpful.

If I could give zero stars, I would. We signed up for Embrace Pet Insurance believing it would help when our dog needed medical care, instead, it’s been nothing but a nightmare. After paying over $2,500 in vet bills (for issues Embrace was supposed to help cover), they spent months ignoring my messages and emails. They kept charging us for four full months of “coverage” before finally deciding they wouldn’t cover anything. Our dog was diagnosed with a lipoma (a benign fatty tumor), and somehow, Embrace used that to exclude every single future dermatological condition, including cancer. To make matters worse, they even denied coverage for an acute ear infection, claiming it was related to the lipoma. That’s not only absurd, it’s unethical. I repeatedly emailed and called, and every time they blamed “missing documents” that our vet had already sent multiple times. It’s hard not to feel like this was all just a way to squeeze more money out of us while delaying any real response. We paid hundreds of dollars in premiums for “insurance” that did absolutely nothing. I’ve never experienced such a blatant bait-and-switch. Save yourself the stress and heartache, do not trust Embrace Pet Insurance. They took our money, refused to communicate, and left us with thousands in bills they were supposed to help with.

Like customer service, Dislike claim process, dislike time it takes to pay.

i"m still waiting for completion of my claim from 10/1

My insurance used to increase gradually each year by about 5-10%, but it recently more than doubled- from $80 to $200.