Embrace | Pet Insurance Review

They don't pay claims. They make excuses and it's just not worth paying over $400+ a month to get horrible customer service and lame excuses. I don't even think I can get into the situations with my animals. I understand I don't have wellness coverage, so they don't cover for vaccines and wellness visits. They take the invoice and store it in their system for each animal. However, they also don't cover visits medicine (when you pay for it) and for actual covered claims. They continue to indicate file on hold, until (it seems) you grow tired of trying to meet their requirements. I think I'm going to turn them into the insurance department and move on to another company. The BBB should also become involved in the issue. I actually have to visit my veterinarian to inquire about requests for SOAP notes. They just delay delay delay until time immemorial. Don't purchase this insurance, there are many others that don't behave in this manner. I should have stuck with Nationwide.

They have been quick about refund wellness credits however are being more difficult about getting claims resolved and reimbursed. Have submitted multiple claims and continue to say forms are not legible. They are very clear and legible.

My vet had discovered a soft tissue sarcoma on my kitty girl. The news was unexpected and surgery was required. I was worried for my girl's health and the outcome. The one thing I didn't have to worry about was the expense of her care. Embrace was there to help.

Policy completely changed to the benefit of the with the bare minimum notice to me. Apparently I got an email saying that the policy was going to change from $50 off the deductible for every year my pup was healthy (why I choose this plan) to a MAXIMUM of 10% off the premium. Anyone who can do basic math knows that these two numbers are absurdly different. Now, I am grandfathered in by my dog's age but they tell me that I can happily leave!?! I should have been grandfathered in. We are getting treated worse and worse by companies for the sake of stock holders and it has to stop. It has gotten bad that to speak a against it is a political agenda and not because you simply want to be treated like a fellow human. You simply noticed because you "do math good" and found it upsetting. Do not do business with this company. I was told not to, I went for the promo, and look where it got me 3.5 years later. Your pet is a member of the family and with more than shiny discount. If they will do this now, what else will they do is later.

Easy to file claims and get re-imbursed.