Embrace Pet Insurance Review
Embrace Pet Insurance Review
ConsumersAdvocate.org
258 Customer Reviews - see all comments
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Embrace Pet Insurance Agency LLC is a pet insurance provider based in Cleveland Ohio that sells policies for dogs and cats. They were founded in 2003 and are underwritten by American Modern Home Insurance Company.
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Embrace has an A+ rating with the BBB, consistently positive online reviews, and is known for broad coverage and fast payouts.
- Unlimited reimbursement, use at any vet
- Covers illnesses, conditions & accidents
- Add on dental insurance & prescription coverage
- Optional wellness plan for routine check-ups, grooming & training costs
Latest Embrace Reviews
Thinking about getting pet insurance through Embrace? Don't do it. They're the biggest scammers in the business. Yes, I read articles that recommended them, too. Don't believe them. I recently submitted a claim for diagnostic tests on my dog's potentially cancerous mouth tumor. Two very highly rated and trusted veterinarians said the mass needed to be tested (since something like 40% of dog mouth tumors are indeed cancerous). Both vets also recommended a tooth cleaning since the dog would be under anesthesia, anyway. I submitted my claim for the procedure, fully expecting to be reimbursed according to the terms of my policy--for the anesthesia, for the excision of the potentially... Read More
My puppy had to go to ER for acute vomiting and diarrhea. X-rays revealed foreign matter had been ingested. She ended up being hospitalized with IV fluids. The bill was $1800 and she made a full recovery. After submitting my claim, and waiting two weeks Embrace denied the claim! They said vomiting was a PRE-EXISTING CONDITION!!! All because when I took her to the vet Two MONTHS before that I mentioned she vomited once. Randomly. Because puppies do that. But it was in my two week waiting period. I had to get a letter from my vet (who was outraged) and go through an appeal process. Embrace finally paid. Don't get Embrace.
Do not use this insurance. I have had it for a year on four dogs of different ages. It is a really bad insurance. Their motto is protect the business of Embrace. They will not pay on anything. The number one reason is "FLATULENCE." They keep saying animals must not have any gas for a Full Year. We all know people cannot do this and to think an animal can is ridiculous. Sure you might only pay $15 or $20 a month but when nothing is covered it is a Waste of money. If I could give a negative star I would. It would accept this review without putting at least a star.
Please stay away from Embrace pet insurance. its a long story, so I'll give you the short version. We got a rescue, took her to the vet and they found nothing wrong, except for a slight problem with her knee. We waited the 6 months exclusion period and nothing got worse. Over thanksgiving she was in pain and I took her in for x-rays, her hips had deteriorated to the point of needing replaced. Our choices were put down the dog or get the surgery. I submitted to Embrace for pre-approval and they took 3 months to make the decision, which caused us to push her surgery back twice. They denied the claim, citing an observation that her first vet made, but had nothing to do with her hips.... Read More
My puppy had a kennel cough prior to his bordetella vaccine, and prior to his coverage, which was obviously not covered. However, 5 months later, and after all vaccines, he developed another cough. He was diagnosed with a different problem than kennel cough, and was put on a different antibiotic. Embrace would not cover this because I was supposed to prove that it was unrelated to the cough 5 months prior, and because I did not have diagnostics to prove the second cough was different from the first. Even with the vet's letter stating it wasn't the same. When I asked what diagnostics I should have gotten to prove the coughs were unrelated, they could not answer the question. My... Read More
LET ME JUST TELL YOU HOW TERRIBLE THIS INSURANCE IS! It is a complete money scam and they DO NOT care about the animals they cover at all. We bought this policy on a whim. 3 days later my cat actually ended up needing to be rushed to the pet emergency. Thank goodness we just got this insurance right?! WRONG not only do they have a 2 week-ish waiting period that is in fine print so small you can't even find it, they also didn't even put the policy into effect until days after buying it making the wait time even longer. Now not only will they not cover any of the emergency treatment my baby needs to stay alive but because it occurred during the wait time they consider it an pre existing... Read More
Buyer beware...they dont have a veterinarian on staff reviewing claims, they have non vet med claims adjusters, and they have absolutely flubbed a no-brainer claim for me, denying my dogs final death claim as a pre existing condition. My vet and the ER Vet Hospital both support my side, both in disbelief at the stretch Embrace is going for at denying my claim. There was no pre existing condition, they are trying to connect two non-related things together as a means to not pay. I'm utterly heart broken over what they are putting me though. I thought they were a reputable company when I purchased my dogs coverage ....I did my research. I'm... Read More
I have had Embrace pet insurance for over 10 years on my 3 pets. I’ve been fortunate I haven’t had to use it till last year. Our sweet Lilly had a sarcoma that would respond very well with radiation treatment. Because I had insurance there wasn’t a question of if but when can we start treatment. Lilly underwent radiation teatment 5 days a week for 3?weeks. She did very very well. A year later she is happy abd healthy. I tell clients all the time ... get pet insurance (Embrace) even if your pet doesn’t need it right away there will come a time when you and your pet will be thankful you have Embrace. The service is excellent! Caring, professional and quick to respond to questions... Read More
disgusted was a client forb3years and i missed one payment and they cacelled my coverage when i called tonreinstate they cancelled my wellness they are thieves dont trust them
Bad company! They lie about coverage.
I completed all the paperwork and passed the preliminary wait period for my dog. When my dog had a $700 surgery after the standard waiting period, first they made my vet fill out two claims, because they said it wasn't detailed enough. Fine, but then they wanted me to go to the vet again to obtain records that my dog had visited the vet within a year, otherwise the surgery would be for a pre-existing condition (mind you, they were supposed to collect these records and contact my vet when I first signed up, and this is now the 3rd trip to the vet--1) drop off 1st claim form; 2) drop off 2nd claim form for more detail; 3) pick up copies of records. Then Embrace emailed me and said that the... Read More
I purchased insurance for my puppy, when he was 8 weeks old, at 490.00 year. He has had some issues, now my insurance had increased 35%, and is costing 661.00 a year.
I had a legitimate claim that they ran me in circles about for 2 months. They did everything they could to NOT pay and I told them from day 1, they WOULD pay as they would never find a single reason to call this "pre-exiting"! The require vet explanations for things like his HIP dysplasia, from 7 yrs ago and HGE-- ALL at the wrong end of the body for the claim.(he had surgery for a paralyze larynx )! Repeatedly my vet had to be involved and not only did I resent the process...he certainly did too and would NEVER recommend THIS insurance for pets to ANY of his clients, after he saw what I went through for what was obviously a legitimate claim. And the claim adjuster had ZERO... Read More
I’m not happy with this insurance because they don’t want to pay. They find evey excuse not to pay. Please if you don’t want grief and dissatisfaction don’t pick this..
I purchased this insurance for my beloved boxer dog. He was diagnosed with a large cancer mass in his chest and given two to three days to live. I was heartbroken but now I am just angry. Embrace denied my claim because my dog had a skin tag in the past!!!!! Yep they said a skin tag is a pre existing condition of getting a cancer mass. DO NOT BUY THIS INSURANCE THEY WILL NOT PAY YOU!!!!
The worst Pet Insurance ever. My dog had an accident playing with my daughter and fell off a trampoline. Embrace refused to pay for the X-Rays and any treatment with this ACUTE Injury because they said he had an existing condition. An existing condition is a Chronic condition and not an acute accident! I went directly to the President of the company who was not at all helpful. Vet techs are the ones who review all the claims and their knowledge base is very limited. I would not recommend this insurance to anyone.
This company would try to figure out a way to say a newborn puppy or kitten has a pre-existing condition. They want copies of your pet’s vet files and start establishing preexisting conditions based upon the most innocuous things in the vet files. Such as, the pollen made my dogs sneeze. Respiratory illness pre-existing condition! My dog stepped on a thorn and was limping. Orthopedic pre-existing condition! I cancelled after two weeks of emails that had just about winnowed by coverage down to nothing. At least I got a refund. Do not go near this company, it’s a scam.
I had this insurance for several years for my pet. Everytime I would fax a wellness claim, Embrace would open a medical claim instead. For those who are not familiar, if you dont file a medical claim your deductible goes down in price. This past year I decided to try the website instead to avoid the issue. I read all the instructions and followed up with copies of the receipt and paperwork. It happened again, I attempted for multiple days but couldn't get a hold of anyone to address the issue. Finally someone called me back only to tell me their policy was if a receipt shows medical items they will process a medical claim. Which is the completely opposite of the website/claim form,... Read More
The company is efficient with processing, very much communicates during the process and helpful when you need to reach customer service. I am very pleased with Embrace.
It was only 4 months ago that we had purchased the policy and our dog was diagnosed with a toe bone rupture which had to be treated immediately by doing a surgery. Embrace reimbursed complete 80% of the amount which included surgery and all bandage change visits. Thank you Embrace !!
I had a very bad experience with Embrace Pet Insurance. I purchased insurance in May 2016 and had my first incident in December of 2016 when I had my dog at the vet for vomiting and diarrhea. My claim was denied because they felt he had a preexisting condition that was possibly chronic because he had been to the vet 6 months earlier with the same core symptoms. They didn’t identify it as a preexisting condition until after I filed the claim and they reviewed his records. I understand preexisting conditions and I may be to blame for not reading my policy completely. I do think, however, that it is a questionable business practice to allow you to continue to pay premiums when you... Read More
For several years I have had had 2 dogs insured by Embrace. The customer service and speed of claim payment is exceptional. Unfortunately, there is no cap on premium increases. At renewal this year my coverage for 2 8-year old dogs went from $118 to $175. They are unable to tell me how much the premium might increase as my dogs get older. They actually told me there is no cap on pet premium increases in my state, and are unwilling to make a corporate commitment to keep premium increases reasonable. At this rate of increase my monthly premium will be over $846 by the time my dogs are 12-years old. This is unreasonable.
This pet insurance is horrible. My cat got a urinary blockage and they went back over a year in his records to conjure up a pre-existing condition. My claim and appeal was completely denied. Don't trust them when they say they go back only a year in your animal's health records. That is an "alternative truth" aka complete lie. I cancelled my insurance.
I got a policy 3 months ago and after 3 months they sent me a letter saying they would not cover certain things. After much time on the phone I cancelled my policy and ask for my money back. This was after they basically put me through hoops with extra things like orthopedic exams (that I paid for) and the vet said the dog was fine orthopedically. Beware of this company, while my dog is perfectly healthy now, my thought is they will find a reason not to pay if something were to ever come up.
BEWARE! Only gave 1 star bc I couldn't give 0 (zero). This company is always ready to find an excuse to not pay. Undue stress with every claim. Extremely expensive monthly premiums (300.00 for two dogs) for the amount of aggravation you go through over EACH claim! Very slow in processing and they DON'T do their job. Say they send requests to vets but when you call the vet the vet tell you they were never contacted. Horrible customer service. Can never get a manager. Nothing but a constant argument. Horrible! Horrible! Horrible!