Contact Embrace Pet Insurance Support

by Lizz_ba_dizz

Embrace for me as a great…until they had to start covering claims. Multiple times I had agents attempt to deny a claim for an invalid reason, and only after clearing showing them they were in the wrong did they approve it and acted almost clueless. One time repeat claims (for physical therapy on multiple dates) for the exact same exercises was given different claim amounts! Each agent had a different reasoning which adds up to that Embrace tries their best to deny paying claims which they are responsible for; which is what we pay them a monthly premium for!
On the last issue I had with them, note the agent told me Embrace is allowed to speculate whatever they want to deny a claim, and if a vet writes an appeal letter they can choose to override it and say they think the treating vet is wrong. I’ve sent these communications to outside parties to view for consumer fraud, and I wanted to make it clear that Embrace has had a shifty history and not something I would recommend as being trustworthy.

by Cdrum775

Embrace pretends they care, but as soon as you cross a threshold of claims that their hidden team of underwriters have outlined they will start pulling reasons out of a hat to deny you against the professional medical advice of veterinarians.

Their claims adjusters get away with crimes that are illegal for health, auto, and home insurers. They see our pets as an under-regulated grey zone to exploit for profit.

Embrace does not value our pet’s lives, they insure in bad faith, and should be avoided at all costs 😔

I will be submitting formal complaints with the appropriate regulatory bodies as pet insurance, and particularly Embrace, need to be held to an objective standard based on professional medical opinion and not the whims of their manipulative, heartless, and ill-informed adjusters.

The app is also slow and unintuitive. They hide your denials and use dizzying legalize to try and obfuscate their bogus reasons for denying. But when you dissect and parse through, the reasons for denying are often transparent and ill-informed.

I have over 10 years experience with litigation against insurance companies, I imagine a layperson would be defeated by their byzantine, gestapo tactics. My partner unfortunately was.

Avoid at all costs, any company has to be better than Embrace.

Thanks for reading. God bless all your pets, may you and your household be forever free of the financial and emotional hardship Embrace routinely imposes on its insured.

by Mesmo74

I’ve been pay $85 for about a year and I took my dog for her allergies because she was getting small bald spots. So the Vet took some samples of it to look at under a microscope then gave me some treatment and they sprayed the calmer itchiness. The bill was under $400. I sent Embrace all the paperwork that the vet gave me. They sent me an email saying they needed more documents. This went back and forth for a while. I sent them every single piece of paper that the vet gave me again and again and again. Then they sent me the last email saying she wasn’t eligible for them to pay the percentage of the bill. I wouldn’t recommend them to nobody. I think they are a scam. Why do you need pet insurance when you still have to pay the full price of it out of pocket.

P.S. every time I try to login to cancel them their servers are down every time you click on their emails and it says server not available every time.