Embrace | Pet Insurance Review

We have now filed four claims on our pet insurance. I have been so impressed with how easy it is to file a claim, how quickly the claims get processed, and how straightforward the coverage has been. I was definitely worried that the claims adjusters would be looking for ways to avoid paying claims. But things have been covered exactly the way I expected them to be with no sneaky loopholes or unexpected exceptions. our reimbursement payment once we met our deductible landed in our bank account within the same week that we filed our claim. We even had one claim that needed to be reviewed because it appeared possible that our pet was being seen for something that had been an excluded condition. But the claims reviewer took a thoughtful look at the chart notes and realized that our pet had a passing, contagious illness that was not related to any sort of pre-existing condition and they went ahead and covered the visit.

I've had my cats with Embrace Pet Insurance for years and wouldn't insure them with any other company. The representatives are knowledgeable, friendly, helpful, supportive, and the claims are processed very quickly. The website is user friendly and easy to upload claims. I continue to recommend the company to all of my friends with pets.

Extreamly long hold timed and lots of automatic messages from filed claims.

I submitted 2 claims early this month and they have not been paid yet. They are waiting for records apparently, but I checked with the vet today and all of her records were sent 5 months ago, so they should have them all. I sent a question to claims and haven't heard anything. I have not received any email communication from Embrace. Very frustrating.

I haven’t been able to reach anyone at Embrace. I have a question about coverage. Their website bot is useless and no one picked up the phone over 15 minutes so I gave up.