Embrace Pet Insurance

Lissette E 

on BBB

3 years ago

I sent them a pre-certification form for my dog's Cancer surgery. They sent the form back approving the surgery in the amount of $3,769.43. These were they're exact words when sending back approval on 02/11/2022 This pre-certification is covered. Cue tail wagging I have reviewed Norman's recent pre-certification, ***********.Regarding Norman's: Accident or Illness Pre-certification: Norman's accident or illness estimate has been approved for coverage in the amount of $3769.43. Please note that you will only be reimbursed whe... read more

marcia w 

on BBB

3 years ago

every claim i have had was paid promptly. no issues at all. people need to READ their policy. 

Caroline S 

on BBB

3 years ago

Paid for insurance for one year and first time claim was when my dog ate something and got gastritis and had to be hospitalized for 1 day. Claim took a very long time to process about 60 days even after multiple phone calls to check on progress. In the end they denied. They claimed because my puppy had a history of bile vomiting in am due to empty stomach, that vomiting was a pre-existing condition. Just fyi some puppies tend to vomit in am if they eat dinner very early and we adjusted our puppies feeding schedule and that g... read more

Donald T 

on BBB

3 years ago

Overpriced. Review procedure is impossible to overcome even if you have expert veterinary input to dispute their positions. Look elsewhere for your pet insurance needs. 

Preston P 

on BBB

3 years ago

I had Embrace Pet Health Insurance through ***** Embrace charged me $50/month to insure my pets health. when it came time to file a claim for HGE they denied coverage due to an unrelated pre-existing condition (Cushing's Disease) that had nothing to do with HGE. They told me to provide additional documentation showing that HGE and Cushing's Disease were two separate conditions and to appeal my claim so they could approve my claim. I provided documentation from my veterinarian that HGE and Cushing's Disease were unrelated and... read more

Susan D 

on BBB

3 years ago

Whether you have a wellness claim or an emergency, Embrace promptly processes the claim. I simply upload the receipt to them and they reimburse me. 

Ron P 

on BBB

3 years ago

If it weren't for Embrace, my cat, Jasmine (aka Jazz) would have died from cancer. Jazz needed not only surgery bur followup radiation therapy to prevent the cancer from returning. Embrace reimbursed me for 90% of the costs just as they said they would. 

Michelle G 

on BBB

3 years ago

I only give Embrace one star because I have to. Zero stars would be more appropriate because this is a scam. I had a policy that I paid monthly premiums of $50 a month for 18 months. This policy did not cover preventative care which I thought was quite expensive but I stuck with it. When my dog had a back injury, Embrace would not pay $120 claim because they wanted all of the vet notes on the dog since I adopted him. The vet told me they provided the notes, Embrace said the vet did not provide the notes. It was on me to foll... read more

William L 

on BBB

3 years ago

We had *** *** ******** **** **********for 5 years and they were great. Never had a problem with them. Last June when the policy came up for renewal, I changed to Embrace because they were associated with **** with whom I have been with for over 50 years. Big mistake. Embrace has a 6-month orthopedic waiting period. The dog fell down the stairs and sprained her leg 11 days short of the 6-month waiting period. I did not expect them to pay for it and they did not pay. Embrace now said I have to wait a YEAR from the date of the... read more