Embrace | Pet Insurance Review

Embrace generally seems to cover expected costs of wellness visits with the wellness "club" upgrade. I do find the claim process unclear and often a bit glitchy- the "diagnosis" button in particular often does not appear and you have to go back and forth through the screens in the claim uploading process to get it to reveal itself, which is annoying. I also am not clear if I can submit one claim for my two cats, who are always on the same invoice as I take them together for their annual wellness visits. Until this is clarified, I submit two separate claims, which is what the site seems to suggest is the fastest way to process. Wish that was clearer. Insurance is onerous to me in general- the vets used to process, now it's on the owners. Just grateful for future me that I can afford it with young cats so we can afford, with insurance help, anything that comes up as they age.

Excellent service

Fantastic company !! They are well informed and listen to the client. In addition, they are quick when we submit a claim.

So far, my experience with Embrace and the claims process and timely response has been just terrific. Unfortunately, a few items are not covered such as Hyperbolic Oxygen Therapy post-surgery along with some minor meds like probiotics (which are trivial in cost anyway) but I suppose it's understandable as these items are not too costly and are technically subjective as to benefits. It is funny that chiropractic is covered though. Regardless, the major expenses have ALL been all covered subject to the deductible and co-insurance I chose, so no surprise there. Ruperts bills have been around $32,000 thus far and we're probably not done. So far, I've been on the hook for around +/- $5,000 or so out of pocket (including the HBOT therapy and probiotics). In my opinion that represents an extraordinary value for my premium dollar and more than exemplifies the purpose of having insurance in the first place. This is the second pet that I have had covered with Embrace and, unfortunately, in both cases coincidentally they both developed the same condition and my experience with Embrace has been outstanding for both.

It is refreshing to visit a website which makes the process of submitting a claim so easy and straightforward. It honestly only took me about two minutes today. Also, the last time I submitted a claim I received payment very quickly. Thank you so much!