Embrace Pet Insurance

Suzanne A 

on BBB

4 years ago

Not enough information given when you join this company. Then when you send in claims, they aren’t covered, because nothing had been told to you from the beginning. I had to get more coverage to the tune of almost 50% more. Hardly any reimbursement. Not worth it! 

Rosalia M. 

on BBB

4 years ago

If I could give Embrace a zero stars I would. I feel like I've been scammed for my money. I submitted a claim in the beginning of Oct. it is now feb.25 and embrace has not decided if it would cover the submitted claim. I have been very patient with embrace, I called them several times to ask about my claim and although the staff is very nice they are not very helpful. As I read reviews they seem to have a MO, They say they have requested records from your vet and that it is the vet who is taking a long time to send the recor... read more

Lissette E 

on BBB

4 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

4 years ago

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

Caroline S 

on BBB

4 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

4 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

4 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

4 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

4 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.