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My experience with Embrace’s customer service was not good. When they tried to say my dog’s normal puppy cough from before was a “pre-existing condition” to deny a later claim, they were really difficult to deal with. Even after my vet wrote a long letter explaining why it wasn’t related, Embrace still refused to pay, and their customer service was “TERRIBLE”.
I was curious about Embrace’s extra wellness plan for things like regular checkups and medications, but someone on here said those plans “usually isn’t worth it or evens out if you pay out of pocket”. They said you might end up paying the same amount in the end whether you have the extra plan or not.
I looked into Embrace, but a friend told me about Trupanion. With Trupanion, if your pet has a health issue, you pay your deductible once for that specific problem, and then they cover what they’re supposed to for the rest of your pet’s life. With Embrace, it sounds like you have to pay your deductible every year, even for the same ongoing condition. That could really add up!
I’ve had Embrace for my dog and when he swallowed a whole antler and needed emergency surgery that cost over $11,000, Embrace paid the claims quickly and didn’t deny anything. Before that, they also covered thousands in vet bills when my previous dog had cancer. So, for me, when big things happened, they were there.
I had a really frustrating time with Embrace. When my one-year-old dog had his first checkup, the vet noted “minimal calculus” on his back teeth, like a normal tiny bit of tartar. Embrace used this to say he had “periodontal disease” and now they won’t cover anything in his mouth unless I pay for a full $600 teeth cleaning myself, even though my vet said it’s not needed. It feels like they look for any tiny thing to avoid paying.
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