The system kept crashing mid claim submission. Any insurance that just conveniently crashes during a claim immediately raises flags to delay service.

So far, I have not had a particularly good experience with embrace. The review of my initial claim was exceptionally long, and while they do say it could take up to 30 days, I didn’t actually think it would take that long based on my experience with several other pet insurance companies. Then after waiting for a month, my claim was rejected based on a flawed assessment. I then had to ask my veterinarian to write a letter explaining why their assessment was incorrect. Embrace then took another two weeks to review her letter and came to the conclusion that my claim should in fact be covered. In doing so they also “found” another exclusion that they had not identified in their prior review. They indicated that they would send me payment on the claim, but did not include anything about payment of the two other claims related to the initial one. I sent a note asking them to please re-process the other two claims since the initial exclusion was lifted, and I still have not heard anything back on that or even received an acknowledgment that they received my note. Overall, I find this company to be very slow and like all insurance companies, they are always on the lookout for exclusions, even when there aren’t any that are valid.

We’ve had our dog with embrace since she was a few months old. We had a lower end plan that had a $5k yearly cap, at the time a *vanishing* healthy pet deductible of $750, and no preventative care with 70% reimbursement. Each year dealing with tolerable increases of $3-5 a month.

Horrible, do not use this company to insure your pet. They will claim that anything is a pre-existing condition in order to not pay you. A pet can vomit on 2 different occasions, and they consider it a pre-existing condition. Vomiting is a symptom of not feeling well, not a condition. Not only will they not pay the claim, they go above and beyond by saying they will extend the “vomiting exclusion” another 12 months. Look on Reddit, others have complained about this same issue with Embrace, and in some US states they’ve made it illegal for insurance companies to call a symptom a condition. I am in an appeal right now with them and will sue them if I have to…they own me over $1000. Stay away!

I found out today that if your animal has an issue that requires more than 1 visit, each visit will be its own claim. So..if you have a $250 deductible, and you have each visit is under $250, than nothing is covered. Each individual visit needs to be over that for anything to be covered, even if its the same issue! So this insurance has yet to cover anything for my animals.

Response time when all necessary paperwork has been turned in. I get insurance to be reimbursed immediately.

I have had pet insurance for a long time, my dog finally needed to use it after years and my claim was $3,200. The insurance covered less than half of the claim. With all the money I have put into the insurance I could've paid for the whole surgery instead of paying for pet insurance.

I really wanted to feel good about having Embrace as protection for my pets, but the experience has been frustrating. The claims process is slow and feels like it takes way too much effort on my end. Communication isn’t always clear, and I’ve had to follow up more than I should just to get simple answers.

They Would Rather Believe The Report From The Doctor OVERDOSING My Yorkie, Than The 3 Doctors Including The Specialty Emergency Hospital That Saved Her Life From Him OverDosing Than 3 OTHER DOCTORS WHO SAID SHE WAS OVERDOSED BY THAT 1 DOCTOR!!! They have Paid For Her Medication For About 12 Years, Now Has Stopped & Said They Were Wrong In Paying IT!!! What KIND Of CRAP Is THAT!!!!!

No different than any other. Over priced by a lot! They do pay quickly once you figure out their cumbersome site. They do not allow a fax or photo by email as some do. They not doubled, not tripled, but now want to make my future payments 4 TIMES HIGHER the year before. I feel that is very unfair as my dog was recently diagnosed with diabetes. Before the increases were minimal…but you never know. The excuse they gave me is that “you know, everyone’s cost has gone up”. Right…but 4 times higher than the year before and they have included the increase for the cat that is healthy.