Embrace | Pet Insurance Review

While claims are paid- their direct deposit doesn't work and I've tried several times with different claims (both medical & wellness). Claims have been literally backlogged for a couple of months while waiting for an actual check because direct deposit doesn't work. Also, the wellness plan is very hard to submit since it is not a medical claim. Otherwise, good experience

It seems you don’t get the same representative even when they give you there number. I was told when I call back I must ask for a medical review when I enroll but no one seems to know what that is. Finally got someone who researched medical review but they can take 30 to 45 days to determine if anything is pre-existing this is were the trickery comes in. Once you sign up you only have 30 days to cancel. So if you are still waiting for their results from the medical review and it goes past the 30 days you are locked in. The medical review is what differentiates from other companies if not, there are better options out there keep looking for a pet insurance company that works for you not entrapment.

Enzo had to have a mass in his mouth removed and sent to pathology. They covered his surgery without questions or making this difficult time even worse.

Difficult navigating claims submission.

The guy who answered their customer service line could not have been more kind, sympathetic and helpful. Plus efficient. We lost one of our four dogs recently and had to remove her from the policy. Not only did he take care of the refund but I received the nicest email from the company in her memory. Been with them for nearly 20 years and still a fan