Embrace Pet Insurance Review
142 Customer Comments & 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. Embrace has an A+ rating with the BBB, consistently positive online reviews, and is known for broad coverage and fast payouts.
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142 Customer Comments & Reviews
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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.
My dear canine companion has been insured by Embrace for 2 and a half years now, since she was 10 weeks old. With every claim, be it routine wellness or emergency, Embrace has responded fairly and quickly. I did extensive research prior to switching to Embrace from my former dog's insurance company. Embrace is by far the best with their coverage, their customer service and their response time. I highly recommend Embrace to everyone!
I would give you an excellent rating if it were not for your refusal to cover growths in the mouth. I dont understand this. If a vet says the growth needs removed and sent for histopath then i think it should be covered. I understand dental hygeine and broken teeth and things like that but removing something that could be cancer should be treated just as if it were on another part of the body. I like embrace but will continue to search for insurance that will cover things in the mouth.
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!
Embrace is the absolute best. They have literally saved my dog's life. He has polyneuropathy which is a death sentence for other dogs. They have covered not only his acupuncture but also his stem cell injections that my dog Leo gets from the University of Florida vet school. There is no question that without Embrace my dog would be dead. Not only that, but in my many years with them, they have never, at any time, given me any difficulties with covering a claim and have always been courteous and caring to deal with. I could not possibly recommend them more highly.
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!!!!
I have had my border collie covered by Embrace since he was a puppy, and have been quite satisfied with the insurance. They have covered and paid many claims for him, including alternative therapies for various injuries (Chiropractic, laser therapy, massage). I have never had a problem with them.
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
Embrace is great because of one thing. They offer wellness programs. You can chose how much you would like to spend for the year on your pet for vet services and grooming! Even if you purchase from PetSmart or a different vet they will cover the cost. Such awesome program to have my pet on.