Embrace | Pet Insurance Review

Horrible insurance that I currently have. When filing a claim for reimbursement, I’m informed after six months of payments, but there’s a 30 day hold because I need to review my pets medical history for the last year before they can cover a hospital visit for him ingesting a foreign body. Like how could eating a piece of plastic have anything to do with a pre-existing condition or the fact that when I got the insurance I asked them to get my pets medical history for the last year which they did but apparently I didn’t ask them to also review it so now that I filed a claim, I have to wait 30 days for them to review the information before they can even look at the claim or try to make a decision. Worst pet insurance I’ve ever had anywhere I should’ve never have changed to this company go somewhere else don’t end up screwed like I am.

Interesting submission. My dog had multi-day hospitalization and subsequent surgery. Each day had to be submitted separately due to multiple providers. Also, credits were issued; no way to submit those to clarify amount due in total.

I was denied a claim a few months ago based on the fact that my dog was chocking and required an emergency exam. Embrace claims that without evidence of what went wrong or why, they denied the claim. Makes no sense at all!

This company has the easiest procedure for filing a claim. Filing takes only a few minutes and responds time is usually within 2 weeks.

Easy to submit claim and select reason for visit