Embrace Pet Insurance Review: Is It One Of The Best?

To sustain this free service, we receive affiliate commissions via some of our links. This doesn’t affect rankings. Our review process.

Bloodhound dog running in grass (caption: Embrace Pet Insrance Review)Just like health insurance, there are many companies and policies to choose from to insure your pet. How does Embrace stack up to its pet insurance competition? We dive deep with coverage details, actual pricing quotes and real customer reviews.

Visit Embrace’s Website

Article Overview


4.15 / 5
Policy Coverage 4.3
Customer Service & Reputation 4.0
Timeliness of Claim Payment 4.5
Price of Policy 3.8


  • No per incident limits on their claims as they use an annual deductible
  • No lifetime limit
  • Offers optional Wellness Rewards
  • BBB rating is A+
  • Pays claims between 10-15 business days
  • Up to a 10% max discount for multiple pets (5% in NY)


  • $1.00 monthly transaction fee and $25 enrollment fee
  • Only covers enrolled pets age 14 and younger for accident and illness (accident only may be available for ages 15+)
  • If one leg has a CCL (ACL) injury prior to enrollment, the other leg will not be covered even if there are no prior issues. It's considered a pre-existing condition.
  • New customer must call to access unlimited claim option
  • Does not cover your pet if they travel outside the U.S. with you

2 yellow dogs in grass (caption: Pet Insurance Reviews)Alternatives To Embrace

While Embrace has a lot to offer, it did not make it into our top 3 picks for best pet insurance providers. Our experts have analyzed over a dozen pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies.

Key Features

Embrace Mobile App Screenshots

  • Underwriter: American Modern Insurance Group
  • Medical history review: Embrace offers a Medical History Review during enrollment. Essentially, this is a full insurance assessment of health history so you can feel confident in your pet’s coverage, limiting coverage uncertainty.
  • Bilateral condition (a condition or disease that affects both sides of the body): If your pet has a pre-existing bilateral condition (e.g., ACL tear), they are at a higher risk of the same situation on the other side of the body, and future occurrences of the same condition won’t be covered
  • Must submit claims within 60 days of renewal to the next term
  • Claim repayment promise of 10 to 15 business days (but often processes faster)
  • Prescription drug coverage for take-home medications available with any policy (in some states, this is an optional add-on)
  • Fax, email, upload to MyEmbrace, use the app or mail in your claim forms and get paid via check or direct deposit
  • 30-day free look period (similar to a money-back guarantee)
  • Allstate, American Family, Geico, and USAA sell Embrace
  • Healthy Pet Deductible: Your pet’s annual deductible goes down $50 each year you don’t receive a claim reimbursement
  • 24/7 PawSupport Pet Health Line allows you to speak with a pet professional day or night via live chat, video and phone
  • Other discounts available: 5% military discount, 10% veterinary staff discount and 15% USAA discount

Exam Period

Requires a vet exam within the last 12 months before the policy start date or 14 days after the start date

Pre-Existing Conditions

Defined by Embrace as:

a. Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.

Customer Service HoursEmbrace Pet Insurance Waiting Period Chart

  • Live chat: Monday – Friday 8:30am – 5pm ET
  • Contact center: Monday – Friday 8:30am – 8pm ET and Saturday 9am – 1pm ET

Waiting Periods

  • 14 days: Illnesses
  • 2 days: Accidents
  • 6 months (or 14 days with an orthopedic report card submitted): Orthopedic conditions (including cruciate ligament events)

If you’re unfamiliar with cruciate ligament tears and what they can entail, watch Heidi’s story below.

What Does Embrace Cover?

Services included are not limited to this list and are subject to change.

Covered by EmbraceNot Covered by Embrace
Breed-specific and genetic conditionsAvian flu or nuclear war
Congenital conditionsPre-existing conditions
Chronic conditionsBreeding, whelping and pregnancy
CancerInjury caused deliberately by you or any other person residing in your home
Exam feesInjury or illness resulting from fighting, racing, cruelty or neglect
Alternative therapies and rehabilitationCosmetic procedures such as tail docking, ear cropping or dew claw removal unless medically necessary
Behavioral therapyDNA testing or cloning
ER and specialist careStem cell therapy not deemed medically necessary
Diagnostic testing
Hospitalization and surgery
Prosthetic limbs and devices including mobility aids
Dental illness up to $1,000/year
Prescription drugs

Dog in wheelchair on beach (caption: Canine Hip Dysplasia)Is Hip Dysplasia Covered?

A bilateral hip replacement for your dog could cost $7,000 to $12,000 for surgery alone. For other types of surgeries, $1,500 to $3,000 per hip is the average. Aside from surgery, your dog will need pain medication for life and possibly supplements, which can add up in costs.

Fortunately, Embrace provides coverage if your dog develops hip dysplasia, as long as the 6-month waiting period is over. The waiting period is lowered to 14 days if an orthopedic report card is filled out.

Pricing Quotes

Embrace offers the following options for your pet insurance plan.

  • Annual maximum: $5,000, $8,000, $10,000, $15,000 or $30,000 (unlimited is available via phone)
  • Annual deductible: $200, $300, $500, $750 or $1,000
  • Reimbursement: 70%, 80% or 90%

The cost of each policy is unique to your pet and depends on many variables, including your pet’s age, breed, location, health conditions and more. To give you a general idea, we gathered the following sample quotes in December 2019 (these don’t include Wellness Rewards).

BreedLabrador RetrieverGolden RetrieverGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age28464 months7 months2
LocationIowa (zip code 50125)Illinois (zip code 60631)California (zip code 92027)New York (zip code 10012)New York (zip code 10012)Iowa (zip code 50125)Ohio (zip code 44108)
Price Per Month$40.70$60.28$39.61$84.36$75.84$12.50$22.93
Annual Maximum$10,000$5,000$8,000$5,000$5,000$30,000$10,000
Annual Deductible$200$500$500$200$200$1,000$200
Reimbursement Level80%70%80%90%90%70%80%
Prescription Drug CoverageCheckmarkCheckmark

You can get personalized price quotes for your pet(s) from some of the best companies when you fill out just 1 short form. Also visit our Pet Insurance Quotes page to see how the cost of Embrace stacks up against the competition.

Embrace Wellness Plans & Pricing

Young Female Vet Examining a Golden RetrieverEmbrace also offers an optional Wellness Rewards program for an additional fee. Embrace will reimburse 100% of your pet’s routine care costs up to the selected amount of coverage you choose. You can select $250, $450 or $650 for this program. This money can go towards the following:

  • Spay/neuter surgery
  • Flea, tick, and heartworm preventative
  • Vaccinations and titers (amount of antibodies in blood)
  • Wellness exams
  • Routine blood and fecal parasite exams
  • Microchip implant and registration
  • Prescription diet food
  • Teeth cleaning
  • Dental x-rays, crowns and fillings
  • Nutritional supplements
  • Medicated shampoos
  • Behavioral training

Coupon Code

Embrace offers a few different discount options. Spayed or neutered pets in NY get a 5% discount. If you have multiple pets, each one gets 10% off (5% in NY). You can also pay annually and get 5% off in NY. Click here to access any of these discounts.

Reimbursement Story

  • Dog: Mila, 6-month-old Husky
  • Accident: Jumped out of the car window while moving

6-month-old Husky puppy with young boyMila jumped out of the car window when the car was going 5 mph and was taken to the emergency room immediately. X-rays showed that she broke her pelvis in 6 different locations. They were not sure they could repair her pelvis, so they ordered a CT scan.

Nici, Mila’s pet parent, told them to do whatever they needed because she had pet insurance. Nici’s Embrace plan had a $500 deductible and a 80% reimbursement. After a 5-hour surgery, 8 weeks of restricted activity and 12 weeks of massage, laser and hydrotherapy, she is fully recovered and back to her crazy puppy self.

  • Treatment Cost: $7,748.04
  • Embrace Reimbursed: $5,798.43
  • Final Cost For Pet Parents: $1,949.61($500 deductible and $1,449.61 copay)

Customer Reviews

Read about how Embrace has treated these real-life customers. We’ve got good and bad feedback to share with you.

Positive Reviews

I have to believe that many (if not all) of these negative reviews are from people who are just unhappy that something they expected to be covered, ended up not covered. It’s the insurance industry, no different than your personal or house insurance, certain things will not be covered. You can’t get a homeowners insurance claim after your house burns down just like you can’t get insurance on your pet after it breaks its leg. As for my experience, I have not had any problems whatsoever with Embrace and have a 5yr old pup with a variety of random issues. I understood my policy (for the most part) and asked questions for things I didn’t. The people I’ve worked with over the past 4yrs have been very helpful and courteous, so I’m more than confused by some of these reviews. Based on my experiences, I will remain a customer for as long as I’m a pet owner. – Dave R., Yelp 9/20/2019

Our little girl had many medical issues in her last 2 years. Embrace covered everything. We got our claims covered very quickly, sometimes before our credit card bill came due. We were able to give her specialty care and make her last two years as comfortable as possible with a great quality of life. When we lost her, we received a lovely card from Embrace with no fewer than 8 personalized, hand-written notes of condolence. We feel like part of the Embrace family. – Shelley R., Trust Pilot 12/3/2019

Negative Reviews

Shitty company. Both of my dog and my cat were in ER in July, and it is now October and this company is finding every reason to not to cover the claim and not responding by not having full medical history. My policy started in June, and my dog got kennel cough in July, it was obviously unexpected and this company just keeps asking notes about my dogs bone fracture back in April. Not to mention I have provided every single documents from my vet. My cat was also being told that it’s missing full medical history. My cat was four months when admitted into er, we submitted every freaking documents from vet visits before which was just vaccinations and exams. And this company is saying missing full medical history, what do you expect a four months kittens to have like hundreds of vet visits??? Shitty company, do not enroll – Tiffany R., Yelp 10/21/2019

They denied my dog’s claim regarding diarrhea:( Useless company..
I’m going to cancel my 2 dog’s policy soon… thinking to go back healthypaw or Pets Best….Not happy with claim process or benefit coverage…Super slow…i feel like i got scammed.. They gave me 0 from over $500 vet’s bill.
They were asking too much paperwork as well… OMG.. nightmare.. – Yuri, TrustPilot 11/16/2019

Embrace vs Other Companies

See what the key differences are between Embrace and a leading pet insurance company.

Embrace vs Healthy Paws

  • All Healthy Paws plans include unlimited claim limits. The maximum claim limit you can get online from Embrace is $30,000, you must call in for unlimited claim limits.
  • Healthy Paws averages a 2-day claim repayment, while Embrace promises 10 to 15 business days (but typically processes quicker).
  • Embrace has a 2-day waiting period for accidents, while Healthy Paws has a 15-day waiting period for accidents.

Compare Embrace and Healthy Paws

Our Final Verdict On Embrace

Visit Embrace’s Website

Embrace has an overall positive reputation and fantastic customer support options, but its waiting periods for coverage are more restrictive than other companies. Monthly premiums vary widely, so we recommend getting an individual quote for your pet.

Doing your research before buying a pet insurance plan is not only smart, but it also demonstrates your love and responsibility as a pet parent. We invite you to read through our best pet insurance article, so you feel 100% positive about making the best decision for your furry friend.

What questions do you have about pet insurance before you buy?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

Notify of
Oldest Most voted
Inline Feedbacks
View all comments
July 21, 2020 2:30 pm

Just found out about Embrace through my insurance company. After reading all the comments, I’m not sure if Embrace is right for my baby boy. He just turned 1 year old and in perfect health and spirits. I am not a fan of reading that Embrace uses sneaky practices as it relates to claims and the trickery of pre-existing illness to deny claims.

Jennifer S
September 11, 2020 2:34 pm
Reply to  T.Q.

They did that to me. My dog had one wart removed and they called it a mass and put all cancer on pre-existing conditions. I put in an appeal with my vet’s letter confirming the diagnosis non-cancerous and months later still no word on the appeal. Meanwhile, they want me to renew my policy and upped the monthly plan from $51 to $68 per month. You’re better off putting $50/month into a savings plan – your own private insurance for your pet.

BC Cloutier
May 1, 2020 10:23 am

Bait and switch is all I can say. Without belaboring the details, I bought the insurance and submitted a claim about two weeks later. The claim wasn’t process for THREE MONTHS; therefore, I missed the 30 day cancellation window. Then the company determines, based on my pet’s records, that she showed symptoms of a disease that was later diagnosed. This, FWIW, a GEICO company. I’ve filed a complaint with my state insurance regulator.

January 8, 2020 1:03 am

30% increase to my monthly premiums every year after the dog turned 4yrs old. No other insurance company I have found raises its rates by that much. It is insane! Look elsewhere because you won’t be paying the low number they quote you for long!

December 19, 2019 5:22 pm

I don’t know how other companies compare other than my friends who have Healthy Paws, which I regret not getting initially and am now switching to, but Embrace is not a company that cares about your pet, it is a company that is there purely to make money off of your genuine concern for your pet. To be clear, I get that obviously all these insurance companies are trying to make money, but Embrace is downright disgusting in that they clearly don’t care at all about you as a human or your pets at all. Like all the other comments, they will look for any reason not to cover a claim. My dog was hospitalized for severe gastroenteritis and because she previously once had lack of appetite they wouldn’t cover ANYTHING. I’m sorry, but a dog having vomiting or lack of appetite at some point is basically inevitable, but they consider this a clinical indicator of a possible underlying condition (all kinds of ultrasounds and bloodwork was done, there was no underlying condition, hence the diagnosis of acute gastroenteritis…). My other dog has seasonal allergies that results in itchiness and they ruled this as a pre-existing dermatitis condition and will not cover ANY skin issues she might have in the future, whether related to said allergies or not. It is downright absurd.

They are gross, they are cruel, they are disgusting in their shamelessness. DO NOT go with Embrace.

Patricia A Shaw
November 25, 2019 6:54 am

Embrace Pet Insurance-
Is the ABSOLUTE BEST, I got my Yorkshire Terrier 4 yrs ago from birth & this company literally has been Ah’mazing literally I believe in honesty & truth in reviews
I’m from a Retired Army background we found Embrace By accident through our USAA Insurance.
This Pet Insurance fell in our lap we knew at the time having a 6 wk old TeaCup Yorkshire Terrier would require us getting insurance on him right away.
He is now 4 yrs old and thanks to EMBRACE he has been covered & insured since say one, trust the positive reviews they are the real thing if you see any negative reviews it is probably at the time the dog owner was frustrated getting their beloved pet taken care of and because of miscommunication getting their questions answered they gave EMBRACE PET INSURANCE a bad review like I said since day 1 my Teacup Yorke- Jette has been covered from all Wellness visits, to grooming needs, to being neutered the only thing NOT covered are overnight boarding stays when you go on vacation and leave your beloved pet behind
Every dog owner is responsible for those it’s considered a luxury and rightfully so.
They will cut you a check asap concerning reimbursement in all things Embraced.
Go EMBRACE- the fees are tolerable as well not mad at it at all, monthly U can’t beat 65.00 verses 100’s of dollars, Mines has perks because of USAA Insurance & for me thats a WIN WIN WIN!
Thanks again to all the Embrace Pet Insurance Staff Members U ROCK!!!!
You are STELLAR!!!!

June 30, 2020 6:58 pm

Have you had an actual claim, though? Wellness stuff like grooming and neutering doesn’t count, as that’s more of a budgeting program.

Alex Gontier
November 19, 2019 9:36 pm

Embrace pet insurance. I don’t know if it’s a scam or if they really are just a trash company. I’ve never experienced anything like dealing with this joke of a company. They hide behind the almighty preexisting condition clause when the illness as stated by the vets and nurses has nothing to do with a pre existing condition. Choose any other company or even go without pet insurance altogether rather than joining embrace. It will save you stress, time and having to talk with complete morons.

November 8, 2019 11:18 am

Dog was HIT BY A CAR after escaping from yard due to hurricane damage. Embrace has spent MONTHS trying to deny claim. Dog was a rescue, I talked to numerous representatives BEFORE they took my FULL YEARS payment and they assured me that rescue dogs without medical history from when they were a puppy were STILL covered. I provided medical notes from his intake a full 2 years prior, showing good health, no preexisting conditions, etc. Now they deny claim because they “don’t know” if he has/had preexisting condition. For a car hitting him?????


Alex Gontier
November 19, 2019 9:32 pm
Reply to  M.C.

Embrace is trash. Refuse to cover anything and hide beneath their desks like cowards

October 30, 2019 6:01 pm

I get it, it’s an insurance industry. They are here to make a profit. They will not cover pre-exisiting conditions. Fair enough.

What Embrace hides in the fine print is that even if symptoms are notated that *may* be *possibly* related to a *potential* illness that has NOT been diagnosed — that too will fall into pre-existing conditions.

This is Embrace’s wording: “Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing”

In my case, my dog was recently diagnosed with Cushing’s Disease, treatment is expensive (but works wonders, btw) so I submitted the claims — but I was denied because I had mentioned an “increase of thirst” to my vet 10 months prior, and it was in the notes, it would fall under pre-existing conditions.

In other words, ANY illness with increased thirst as a symptom would not be covered. But increased thirst CAN be a symptom of Cushing’s, or kidney disease, or liver disease, or diabetes, or certain cancers, or even just plain dehydration.

Meaning because I had mentioned the increase of thirst within the last year prior to the policy, she would not be covered for ANY of those illnesses.

They also denied a claim for pancreatitis because there had been a previous instance on her record. So it too was a pre-existing condition, even though dogs can get multiple bouts of pancreatitis.

And yes, that fine print was magically revealed to me with the denial of the claim.

Blah blah blah, pet insurance sucks, but let’s end this on a good note. Embrace may be super shady, but my dog is about to be 12 and doing great!

October 22, 2019 6:15 pm

I have 2 female dogs, ages 2 and 4. No claims in 2 years. Just got my renewal. 35% increase over last year. Not happy. What will it cost when they are 6 and 8, for example?

Lexie's Mom
September 30, 2019 1:16 pm

We have USAA and ended up getting a pretty good discount/deal on Embrace! Was impressed with all the features/benefits of what all it covers, only kicking myself now for not signing up sooner as I just had a big out of pocket expense/operation which I would have been reimbursed for 🙁 Haven’t had to file a claim yet (hopefully won’t need to anytime soon) but impressed with the overall experience so far.

July 11, 2020 12:00 am
Reply to  Lexie's Mom

Satisfied with “insurance” just as long as there is no reason to file a claim. Sounds about right. I sincerely hope that you never need to file a claim and then see what “coverage” actually happens.

Barry Hoffman
May 31, 2019 1:13 pm

Be very careful in signing up with Embrace, especially if you have prior long term pet insurance and you are changing based on price / deductibles.

One, this is the most document intensive pet insurance firm out there.

Their focus is on, one way or the other, figuring out what you pets pre existing conditions are so the can be excluded from coverage.

This would be fine if their determinations were based on accurate and practical reading of vet reports but they seem to skim them and focus on the key words that will allow them to make a case for pre existing condition, e.g., in connection with health exam, dog exhibits pain when vet stretches limb but on second stretch no sign of pain and dog walks and runs normally before and after exam. Embrace determines this an orthopedic condition that is excluded. Neither vet, nor us nor any observation suggest orthopedic condition but Embrace knows.

All pre condition exclusions are so broadly and generally drafted, one has know idea how far they extend. Surly, for most illnesses the dog will be in pain and vocalize but Embrace is ok with a one time vet visit for unusual vocalization being a pre condition to be excluded from coverage. Think about it, your dog breaks a leg, vocalizes for hours in pain, is the general exclusion of vocalization make it so the accidental broken leg is a non covered item because it relates to the excessive vocalization?

Be careful, a few dollars more a month to go with an insurance firm that is practical is the prudent way to go. No to Embrace.

March 11, 2019 11:14 am

I am looking for an insurance policy that will cover behavioral evaluations and training. Is this something you folks look into. I was told by my vet that some policies do cover. Looking for options for my rescue pup.

January 17, 2019 9:14 am

I’ve had the same experience as those offering warnings below. They’ll look for ANY excuse to deny a claim. I’m currently battling them as they deny every claim stating they require medical history, which they have, and have had for months. It’s a farce, and will file a complaint with BBB.


Omar Villagomez
February 14, 2019 4:09 pm
Reply to  david

Thanks a lot I have 4 cats and I was about to sign up Devils deal..but now with this horrible experience you shared with the world I’ve changed my mind. It should be more state and city regulation about this type of pet insurance companies. As a pet owner caring for those little furry ones HEALTH is priority but it seems that some people or companies they just want to profit and exploit animals people’s love

December 27, 2018 1:41 pm

I signed up for Embrace pet insurance five years ago. Never had to submit a claim until now. When I signed up they asked for a orthopedic exam report from my vet and a slight crepitation was noted back in 2014. Around Thanksgiving my dog tore her ACL due to trauma, someone stepped on the lease when she was climbing stairs and jerked her back. I submitted the claim to embrace and they denied it and asked for a letter from my vet explaining that the ACL tear had nothing to do with the crepitus that was previously noted. My vet supplied that letter and CLEARLY stated that the ACL tear was due to trauma not the crepitus. Embrace denied the claim again stating that the crepitus had caused the ACL tear. My vet totally disagrees, the ACL tear was due to trauma. So now some claims adjuster at embrace is overriding my vet’s diagnosis, how is that even possible and why does embrace allow that to happen. I will tell you how they only care about the money. Go elsewhere for insurance because they will look for any excuse not to pay.

Korra smith
November 6, 2018 2:09 pm

Do they cover some cost for training? I will get Rottweiler so I need train we’ll for others.

September 25, 2018 12:56 pm

This needs to be update they offer wellness plans so vet visits are coverage.

Michelle Schenker
September 27, 2018 5:02 pm
Reply to  Keith

Hi Keith, We do discuss the wellness plan here.

August 14, 2018 1:48 pm

Horrible….they look for reasons not to pay claims. Don’t waste your time or money on Embrace. My dog has anxiety and is scared to go to the vet…..because of that Embrace feels like she is an aggressive dog and will not cover her. The vet even wrote a letter to Embrace explaining this, It is no different than a person having anxiety about going to the doctor or dentist. Does that make them an aggressive person? What a scam to get your money!

December 19, 2019 5:27 pm
Reply to  JULIE

same thing for my dog, they also detailed that this means they will not cover ANYTHING that relates to aggression including if my dog were attacked, even if not the aggressor, this is the exact language provided by them: “Some examples of situations that this would exclude coverage for are (but are not limited to) vet behaviorist consults or treatment, fight/bite wounds (even if occurred during ‘play’, regardless of who was the aggressor), medication for aggression or related sedation, sedation that is needed due to aggression for exams/treatment/etc”

Nicole Ward
July 23, 2018 3:06 pm

Buyer beware. I was skeptical buying pet insurance but was encouraged to do so by our vet’s office staff. Our labrador retriever had pancreatitis previously so of course I knew that would be an “underlying condition’ that would not be covered which is fair. However, she recently got diarrhea, had to be hospitalized, tests came back negative for pancreatitis so not the same underlying condition and now they’ve completely denied the $1,450 claim. Even our vet was shocked. I’m cancelling.

Jaclyn Scarborough
November 29, 2017 3:37 pm

Embrace’s 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed – up. I didn’t get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that ‘We need the complete Medical History’. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn’t know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that ‘we don’t want to bother you the client’ to get the missing information so they can continue to fraudulently bill you.

When I called to inquire about the long-delayed medical history review, they still couldn’t answer my questions. Then they hung up on me and canceled my policy even though I was still waiting for answers.

STAY AWAY FROM THIS COMPANY! They are very difficult to work with and will list everything possible as a preexisting condition to avoid paying claims.

September 19, 2017 4:49 pm

Not very happy with them. First claim submitted 8-31-17 for trip to regular Vet (8-26-17) then for the ER 2 days later for same issue. Did receive a confirmation that claim was received. Submitted second claim, continuation of original, 9-6-17. Never received a conformation so I called them. They said they hadn’t received it. Sent it again. Said now they need her medical history, Vets office faxed it to them 9-6-17. Had 2 more claims regarding same issue, submitted 9-11-17 and 9-14-17. Checked on line as to where claim was and it said “pending medical history”. Called again. This time I was told yes they had received medical history from both the regular Vet and the ER Vets but still hadn’t “processed” it. Really?? They have had it almost 3 weeks? Add to that another 10-15 business days to send any payment. I had PetPlan for years and ALWAYS received my reimbursement with 10 days without all this BS. Unfortunately they changed underwriters and the premiums went sky high. Seems as thought they are going to try to get out of paying this even though dog has never had an issue with her back. Not sure how injury happened but was definitely not pre-existing. In the interim I am racking up interest fees on the $4,000.00 or thereabouts that was charged to my credit card. Will be looking for another company to insure other dog after they decide what if anything they are going to pay.

L Adams
April 16, 2017 2:59 pm

I chose Nationwide (used to be Veterinary Pet Insurance) over Embrace. Embrace requires that claim forms be filled out by the vet’s office; Nationwide does not. Also, when I would try to call the Embrace customer service phone number, would often get a greeting that indicated wait times were 15 minutes. I also did not like the number of forms required (including a full orthopedic exam) for my dog to be covered, and the exclusions for pre-existing conditions were discouraging. I had Nationwide/VPI for my first dog, and when she died, the folks at Nationwide handled her final vet expenses kindly and promptly. When I got a new puppy, I thought about going with Embrace, but Nationwide was a much better option to me. I will stay with them.

C. Martinez
January 26, 2017 1:33 am

I was happy until I relocated because of a new job and they raised my monthly rate from $15 to $25 based on my new area’s average vet cost. Not gonna lie, it left a sour taste in my mouth and I’m not happy.

December 18, 2016 3:35 pm

This company does not cover anything for dogs who have “pre-existing conditions”. It is a travesty that dogs that are older can’t get the care that they need, but I guess that is how people insurance for people works too. It’s all a scam and they are all in it for money. I’m sure other companies are like this too and it’s ridiculous. This is the time that dogs need it the most when they are older and claim after claim is being denied for our poor Boston terrier. This is literally draining our bank account. We are probably better off without any insurance at all.

Kimberly Alt
December 19, 2016 9:55 am
Reply to  Katie

Have you looked into changing pet insurance providers? Unfortunately, I’m not aware of a company that covers pre-existing conditions but there may be a less expensive alternative. You can read about the top three companies we’ve ranked here: https://www.caninejournal.com/pet-insurance-comparison/.

June 20, 2017 2:31 pm
Reply to  Kimberly Alt

I had insurance for my last Pug and they were wonderful. I waited 4 hours too soon and healthy paws turned me down! I wasn’t going to let my dog suffer another hour thinking they’d overlook 4 hours but I was wrong and paid the full $400.00!

Loren Goldstein
December 5, 2016 3:29 pm

Total scam. They ask for medical records when policy starts to review for pre existing conditions. Then when you submit a claim they look at the records. Not before as implied or what makes sense. Then when a procedure is done they scour the records for existing issues. Seems backward. Now they say that skip lumps on my dog which were removed while already under anesthesia for dental cleaning are not covered because of a prior note about a skin tag. A skin tag is a small piece of extra skin that need mot require removal. These were lumps which required surgical removal and deep sectioning to remove completely and sutures. This medical condition is being refused entirely because of a notrle about a similar but medically different condition that does require removal. At Embraces suggestion I had the Vet write a new letter to explain and yet Embrace still claims it is excluded. Cancelled policy, got premium back and now I will complain to Attorney General, Insurance commissioner and BBB. Total scam.

Jaclyn Scarborough
November 29, 2017 3:39 pm

Same thing happened to me! I will also be contacting many governing bodies to report my experience.

Embrace Sucks
October 5, 2016 11:20 pm

I wish I could leave zero star. Purchasing Embrace is worst decision I have ever made. They will try whatever they can to decline the claim and label it as a pre-existing condition.

Then it comes to the appealing process. Firstly, they told me that their consultant vet (who has never seen my pet nor could they provide proof that their consultant vet reviewed every single world of the medial history) believes it is a pre-existing condition because of test A, however test A could be impacted by other things therefore a conclusion cannot be made if test B proves that test A is caused by something else. Once my vet and I proved that guess what, they told me that they still cannot cover the claim because there is another pre-existing condition which again was just a wrong interpretation of test results happened years ago. It almost let me feel that when they cannot give you a reasonable explanation for the wrongdoing at the first place they try to find all these details happened in the past to justify their decision even though they are unrelated. They do that because they want to delay the process and hope people will just forget it.

When being asked what I need to do to overturn the case they said: We will send a questionnaire to your vet to fill out. No response two weeks after my vet sent the questionnaire back to them and I had to call them everyday for the answers, once you are on their “blacklist” they will not return your phone calls or sometimes emails. Some days later they emailed me saying the information provided by the vet was not enough but no explanation whatsoever. I asked my vet to send me what they filled out and it turned out their questions were very vague, they either do not know what are the right questions to ask or they try to avoid to ask the right question because that’s not what they want to see.

It has been four months since the day I started to fight with Embrace and it turned out to be a very stressful experience and it makes me almost want to give up (yes, that’s what they want to see, you giving up). It was not until recently when I told them I am going to initiate legal action that they started to cooperate and told me and my vet what EXACTLY we need to do and provide instead of filling out stupid questionnaires designed to be useless. This could have been done four months ago. I will let everyone know what the final outcome is. I am really thankful that my vets are being so supportive and bearing all the stupid questions from Embrace.

I am not discouraging people to get pet insurance because they could be a good thing, I want people to be aware of the unlawful practices in this industry, please please do not give up when they reject your claims because of what they called the pre-existing condition, work with your
vet and being proactive on the appeals. We need to fight so that they will stop bullying the pet parents.

I also encourage people who have the same experience to write a review here so that more and more people know what Embrace really is.

June 20, 2017 2:33 pm
Reply to  Embrace Sucks

I think the majority of pet insurance is buckling down. There really isn’t any sympathy out there