Embrace | Pet Insurance Review

I liked that we got reimbursed for part of our claim. It went directly into our checking account and that was good. I did not understand that Embrace would not cover any exam. I thought they were referring to an annual exam or a wellness exam, not an emergency exam. This doesn't seem right.

Would give a lower score if I could. They made health assumptions for my dog (claimed my dog has cancer, which he was never diagnosed with, and is actually in extremely good health according to my vet), and were going to have me go through hoops to appeal to see if my dog would even get actual coverage. Given that it took a month or more to process normal claims, I imagine they would have had me paying my monthly fee for at least one or to more months while my appeal went through. On top of that, I had to take my dog to urgent care--he ingested something on a camping trip. I submitted a claim for this... Embrace said that they would need to put the claim on a temporary hold UNTIL NEXT YEAR, because they weren't convinced it wasn't a pre-existing condition. Never again will I ever do anything with this company again. It's more cost efficient to put in monthly amounts into a savings account for health needs for my pets.

I've had Embrace insurance for years and never really needed it. But when my dog got very sick, Embrace was there and covered her treatment - including hospitalization, without any argument. In fact, when I called Embrace to clarify something the person I spoke with was so compassionate and knowledgeable. I wish human insurance was this reliable. Thank you Embrace!

This the second time I am submitting my claim I have not received money for the last 2 claims

I was disappointed in the fact that the process wa took as long as it did. The claim was placed on hold pending further medical records which did not have. I sent personally every record I had since adopting my dog and the only previous record was her first set of vaccines. Sorry, but I had to get upset and considered the BBB to make a complaint. Going forward I hope the claims are more timely.