Embrace Pet Insurance Reviews

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.

I used to be able to do everything with EmbracePetInsurance ...look at all 3 of my policies, upload and check claims and chat with agents. Since April, every time I try to use EmbracePetInsurance , all I get is an error “No Elements”. I have uninstalled/reinstalled EmbracePetInsurance , hard reset my phone without EmbracePetInsurance installed, hard reset with EmbracePetInsurance installed...still get the same error. No one from customer service can help, but I’ve had more than one rep tell me I am not the first person that has complained about this very problem. So instead, I have to use the website. But before I can log on, I have to clear the cache from my browser. Otherwise, I cannot switch between my policies or do a few other simple tasks. Embrace needs to get a better tech group together!

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.

EmbracePetInsurance 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.

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.

Embrace is a company with a singular goal of maximizing their financial profit. Their branding as a pet-centered and customer-centered company is only that, branding and marketing designed to get customers who love their pets to pay them. They will say anything, promise you that the coverage amount you buy with them is more than enough, and then do everything they can to not pay your claims, citing all the small print in their Terms and Conditions. Exactly the type of predatory insurance experience people are afraid of ending up in.
Look at their coverage limits and reimbursement timelines, then look at other companies (e.g., Trupanion) that do not do limits and will pay your veterinarians directly.
Would suggest looking elsewhere for pet insurance.

Where this company might have made submitting a claim easy, instead they made it clunky and awkward. For example, if you submit a claim they make you go through three or four clicks to chose a vet clinic as the source of the invoice, rather than giving you the option to confirm that you were at your primary clinic vs a different one.

My favorite though was that one requirement is to upload the invoice. I have digital invoices but EmbracePetInsurance can only take a photo of a paper one. When you try to bypass the screen you get a pop up message that the company no longer requires an invoice if you submit via EmbracePetInsurance . So I took a picture of the dog and I’m sure they will have issues with that. Then again, this is kind of a test case because they won’t pay on this vaccines claim.

Overall, underwhelming.

I love embrace pet insurance, but EmbracePetInsurance is so buggy. It takes an unbelievably long time for each section to pop up when you try to fill out a claim submission. I have to make sure I have 10-15 minutes free in order to do something that would take 45 seconds if EmbracePetInsurance actually worked. Yet all the other sections of EmbracePetInsurance load very quickly. Kind of make makes me think the claim submission section is not being fixed intentionally so that customers can’t easily submit claims and get their reimbursement. The company should really be improving this because the user experience is so bad that it would probably be faster to cancel your insurance and get your pet on a new plan than to wait for your claim to load.

I submitted my first claim after lesions started appearing on my dog. The vet thought it to be an allergy. This was the first time anything like that happened. My dog is 10. had “hair loss” written in a note from a vet before I had pet insurance. She also had 2 skin tags noted. It took months before Embrace finally processed my claim. I sent them documents directly and they never added them to my file. I called them over a handful of times trying to get the claim processed. When they finally processed my claim, 3 months later, they told me they wouldn’t pay a penny. Somehow “hair loss” and “skin tags” are the same to them as lesions!?! Old dogs get thinner coats! She’s old and still has plenty of hair, it’s just thinner. The scabs were new. Embrace Pet Insurance is a waste of time and money.

It’s ok. It’s affordable but there’s so many loopholes they don’t tell you about. Both my cat and dog got sick with GI issues so i had to take a few trips to the ER. I did not meet the deductible for both of them yet, so embrace didn’t reimburse me (which is understandable). I was informed recently that my premium is going up next year, to almost double what I’m paying now. I was also informed initially that my dog’s dental would be partially covered (it’s going to cost me $1,900). When I scheduled the dental, and called embrace again to double check to make sure they would cover it since that’s a huge expense, they said it would not be covered. Just be aware of these things before you decide to purchase embrace. I will say the customer service is actually really nice and professional.

I love Embrace and have it for all 4 of my cats. EmbracePetInsurance on the other hand is the worst! The FaceID function has not worked in over a year. I tried to delete and reinstall EmbracePetInsurance thinking it could be a glitch but that didn’t help. EmbracePetInsurance itself crashes constantly when I log in to view my active claims or even when I tried to submit a claim. Sometimes, I have to select the same section twice because it just hangs and doesn’t go anywhere.

I love the company itself, but they really need to invest some money and time into their app and fix all the bugs. When I look at the history of their last update, it was a month ago for “general bug” issues but not sure what they fixed because I’ve been experiencing the same issues for the past few months.

It was extremely difficult to get EmbracePetInsurance to upload the documents. Literally had to keep trying for days because it would just keep saying loading and never go anywhere. This was with cellphone with 5 bars and with trying to connect to wifi. When I call, while on the phone I open EmbracePetInsurance and it finally loaded but still took a very long time. Also there is no way for me to correct my name in EmbracePetInsurance . The rep spelled it wrong after spelling it for them. Changing anything on your profile is confusing because it lags and you can’t tell if it accepted changes or not. It is not an easy to use app as is, but with some updates could be good. I finally was able to submit a claim 3 days after, so we’ll see how quickly it deposits.

I would really like the ability to upload photos from my phone for each pet’s profile. I know this is silly, but it would be nice to have since all my photos live on my phone and not my desktop.

Ironically, when submitting a claim via EmbracePetInsurance you can *only* use your camera to take a photo of the invoice - I often have a PDF version since everything is electronic now, but there’s no option to attach a photo or other file type…so again, I have to pull out the dusty desktop.

The Embrace pet insurance app is very easy to use. It’s very simple to walk through the process of setting up your pet on EmbracePetInsurance and submitting claims. I’ve been using EmbracePetInsurance for just over a year. My only problem is the process of submitting claims on EmbracePetInsurance is very, very slow. Constantly waiting for screens to load and buttons to click. Hopefully future app updates will speed up the functionality.

After being submitted, the Embrace team processes the claims quickly. Overall I’m satisfied, but there is room for improvement in EmbracePetInsurance performance.

My dog is 14 and had pancreatitis and had to be in V.E.G in nAnuet for 5 days. It was life and death but with the loving care of everyone she made it. Embrace made it so simple to submit a claim and even better is that they did send us money to offset it. It was so easy ! Then my dog , Sophie had terrible back pain. We went back to V.E.G And again they helped us AND embrace again paid us on the claim even though it was only a few weeks from first claim. Great company!
Update is now she has an eye ulcer ! Embrace has been very supportive!

This is a review for both the company and app as a whole.

Embrace was an easy choice after reviewing my pets options. Unfortunately I used my Embrace Insurance a lot for my pet. From the start of her coverage to the end, Embrace was quick to review my claim, process and pay out. It was also very easy for me to get a hold of an actual person when I had questions. When the time finally came to let my pet go, Embrace cancelled my policy which took one more difficult phone call off my list. EmbracePetInsurance was not the easiest to use at first, but they listened to feedback and improved it tremendously very quickly. The stress of dealing with what I dealt with made me procrastinate in sending my claims, however submitting the claims took maybe 3 minutes each once they got their app streamlined, it was so easy. Simply put, I will never have my pet insured through any other company and this company takes pride in delivering top notch customer service in very stressful times. Customer for life.

We are so impressed with the fantastic care our Maggie received after her unfortunate accident with a car while she was chasing a deer. No clue how she was able to get out of her harness.
Everyone at Blue Pearl immediately took our baby back to start working on her. It was scary for us but they kept us informed every step of the way. There were update messages from her vet and her care team. Even sent pictures during her recovery.
We were so blessed to have all of these caring people taking care of our baby.

so you never really think about having to put a claim in and you just usually think about paying your policy each month and each year the only time you will look at your policy is the first day you sign up and on your premium annual notification. You sometimes wonder if you should change your premiums as money gets tight and then you’ll always remember your animal is your family and on the days like now that I am glad I am part of the Embrace family. extremely hard time right now with my cat Romeo and I haven’t had a single problem with the claims process. I'm glad that's one less thing I need to
Think about right now and whether or not to
Get him the services he needs. Thank you Embrace

If you absolutely adore your fur baby you MUST get EmbracePetInsurance! Whenever we have to go to the vet, that extra financial stress of worrying whether or not I’ll be able to afford my baby’s health is no longer there! I feel confident walking through those doors k owing that whatever my kitty needs I can say yes to regardless of the price. I will never go back to not having pet insurance again. EmbracePetInsurance is also SUPER easy to use. All you do is send in an invoice and they get to work on getting you as much money as they can! And that is a beautiful thing. Get it!

Embrace has been an incredible pet insurance
for us and our dachshund. We have never had a claim take longer than 24 hours to be approved and reimbursed. The customer service is fantastic, always friendly, and always responsive. I can’t speak highly enough. We have saved a significant amount of money by being insured and embrace is honest, quick and extremely fair in their reimbursement process. It has been a weight lifted knowing we can take our girl to the vet when we have concern without having to worry about growing bills. Thank you for exceptional service.

We’ve had Embrace since our dogs were 6 months old. They have always done their part and reimbursed us. My one dog has been hospitalized 3 times for a total of almost $10,000. Embrace never questioned and reimbursed us at 90%. EmbracePetInsurance is super easy to use and you can submit the claim sitting in the vets office parking lot. Checks are quickly sent out in less than a month after they review your claim! If you’re wondering if you should use them don’t hesitate!