Embrace | Pet Insurance Review

The problem with this company is they wait until you file a claim to tell you what they will and will not cover. Some of the things they will not cover, based on their initial review, are things you would never expect them not to cover. They said they would pay less than 25% of my first filed claim. I say it that way because they have claimed they initiated a payment. I have not received a payment. I have also not received a response to my inquiry about the payment, and this was almost two weeks ago. Like most insurance companies, this one will find ways to avoid payment after months of collecting money from the working class. The whole point of this plan was to HELP. It has cost me more money than if I had just paid my bill out of pocket. Stay away,

If I could give this a zero star review, I would. Have been with Embrace for @ 12 years and never have I had an issue with them. I was told, (not documented by Embrace) that my renewal premium would be @ $985. What to my surprise and wondering eyes did I see but a charge to my credit card of $1449.00! I never received their renewal quote, nor was the renewal premium what I was told. But they have you over a barrel since my pup has a pre-exisiting condition which would not be covered by other plans. So I either don't have him treated for a year and let him suffer (would never do that) or pay all the expenses out of pocket OR renew with Embrace which I was forced to do.

I have been insuring my pets for close to 20 years and have used several different companies. Embrace is by far the best I've ever been with. I could go on and on about all of the great things about them, but, if you're like me, the most important is the processing of claims. They are FAST when it comes to processing. Most of my claims are paid (as in the money has been deposited in my account) in less than a week. Believe it or not, I once even had a claim processed, paid and deposited into my bank in less than 36 hours! I can't say enough good things about Embrace. I especially love that they will insure older dogs and you can choose your level of coverage, making your payment fit your budget.

I appreciated being informed as they moved through the process of gathering information for the claim. It was easy to file the claim. The website is helpful. However, the length of overall time to process was 7 weeks which seems excessive.

Unfortunately, this is your typical insurance company where they take your money and when you need to file a claim they'll do whatever possible to deny your claim. Then after denying your claim they'll raise your premiums really high. Horrible company and will never recommend or do business with them again!