Embrace | Pet Insurance Review

The app is easy use. However every time I file a claim they say they need all paper work for my dog called the S.O.A.P. I have sent it numerous times via email and the app but keep getting my claims delayed by weeks or months because they say they do not have all her paper work when they do!!! It can be frustrating and annoying every time I file a claim have to explain they have all the paper work and then waiting months to finally get reimbursed after several back and forth emails. It's like nothing is saved in my file??? I Cant understand the issue.

I have two policies with embrace. Never used them. I decided to give it a try with three bills from emergency vet visits in 2024. They weren’t bad but I had honestly forgotten about the insurance and just decided to see how it worked out. After six months of trying multiple phone calls. I was unable to get my receipts taken care of because they said Codie had been seen by a vet they had no records for in 2020. I was like ummm no I gave you all his vet visits. As he was rescued during the pandemic I had about four visits with different vets per who was excepting. I did a premimiary full exam with a one vet then had to go to another for follow up and finally switched a to a different one based on location and personal experience. The three bills were all less than 350 dollars. And were for diarrhea and one for a rash! It was no big deal dermatatis and probably something he licked in the Florida grass as he is a hound. But still they refuse to pay nor communicate with me. No matter how long I sit on the phone or how many calls I make. Mind you I have both and emergency and routine care policy that I have thus far paid them over 4500 dollars for. I’m canceling because this is ridiculous. They are just taking my money. And I can’t do anything about it. My next call will be a report to the bbb. They literally have stolen my money I feel. Hopefully someone is getting paid out with it.

Terrible customer service

Very easy to submit claims and easy to contact on phone (and helpful and kind)

Great quick claim service. Received reimbursement of funds quickly!