Embrace Pet Insurance Review
141 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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141 Customer Comments & Reviews
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I filed my first claim on April 6th via email. Great communication, prompt pay. It's been less than 10 days and the check's on its way! What more can you ask for?
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
I have 2 10yr old Labs. Embrace has covered all things they have said they would withing the guidelines of the policy. They went out of their way to get my pups medical history and any additional information from the vets office. I don't know if the have the best overall coverage but i'm very happy with the coverage I have and the customer service that I receive. I absolutely recommend Embrace. And no, I have nothing to do with the company other than them being my chosen canine insurer. Have a blessed day
Was offered a trial subscription from the pet rescue. Researched them and thought it was a good option. Signed up and provided payment info. Printed off a claim form, per their requirements. The claim form they fill in the pet/owner info....with a disclaimer I was not eligible to submit a claim for an additional month....only thought about filing a claim due to their emails stating yes, now I was eligible, providing eligibility date. Bottom line bait and switch practices are a terrible way to do business, I gladly pay more with another provider who honors their word/contract.
Bad company! They lie about coverage.
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
The negative reviews are not isolated and there is a common theme: Embrace will refuse to pay for any treatment if they can find any (even unrelated) excuse not to do so. If your dog has ever had any common ailment, years later it will be used an excuse to not pay for potentially life saving treatments. Even though you MUST complete the various initial vet exams to show your dog to be of good health with no pre-existing, chances are very good coverage will still be denied. Claims take many weeks if not months to complete and they will be reviewed (and rejected) by vet techs, not actual DVMs. Do not waste your money on this insurance scam and DO NOT rely on it being there when making life... Read More
The coverage seems fair, and competitive with other plans. But, buyer beware, they only accept automatic deduction payments from your checking account or from a credit card, and they offer NO way to change the date of the auto-deduct. If you call Customer Service (even with plenty of time ahead of your payment date), they will advise that the day of the month that you started your policy will forever be your auto-deduct date. NO exceptions, and there is NO way to request another date instead. So, if your auto-deduct is on the 3rd of the month, and that is hard for you to manage with rent, etc., there is no way to request the auto-deduct at a different time in the month. Currently,... Read More
Embrace was great for the first year I had them and did exactly what they promised. Now, they have denied claims that my vet has certified as illness claims with a signed letter and pet records to support it. They still won't pay. Unacceptable, especially when we pay hundreds a month to cover our five pets. I will be finding another provider ASAP. Unacceptable.
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