Embrace | Pet Insurance Review

Took over 3 months to get a single claim processed. They constantly sent emails for information that was already sent multiple times. A couple days before the first claim finally processed, Embrace decided to send me an email containing a ton of "permanent conditions" that would never be covered by the insurance. This rendered the insurance basically useless. They did eventually send me a very disappointing check. I would not recommend this pet insurance.

We did not expect our 14 month old Corgi to need emergency surgery for a blockage. Embrace paid all but the deductible and the co-pay. I didn't expect it to take as long as it did to get reimbursed, but it finally was approved and when it was, the money was in my bank within a couple of days.

Excellant customer service! Quick and easy on claims. The telephone staff is polite and knowledgeable and easy to understand.

As of today 08/27/24, I can’t recommend Embrace for pet insurance. I submitted my first claim after approximately three years of having a policy on two pets and it was denied. I specifically have insurance on our senior cat for injuries. He had an accident inside our home and we rushed him to the Pet ER and thankfully it wasn’t a massive amount out of pocket and didn’t end up being life threatening either. They sent us home with an e-collar and antibiotics for his eye and a week later, all was good. I submitted the reimbursement paperwork and 24 hours later denied it due to it being an illness, not an injury. I literally wrote in the paperwork that he hit his head, had a blood filled eye and was rushed to the ER. I wrote back explaining this again and so far, no response. If something should change, I’ll update my review but at this point, I’m thinking about going elsewhere for insurance. Update 08/28/24 7:22am After seeing the response from Embrace below for my review, I logged into the app to see if it was indeed changed to accepted and I just didn’t get an email update; however it was not and was still in a decline status. The same message states “The claim is not covered by your insurance because it is an illness and XXXX does not have illness coverage. XXXX is insured for accidents only” Update 08/30/24 Nothing updated from my claim notes stating it was denied and now covered; however, after a few emails back and forth with different people, they’ve assured me that the claim was approved and a check was issued and mailed. Still not pleased with jumping through hoops for this.

Clear communications and great website so I can see exactly how claims are processed, when I’ve met my deductible and what coverage I have remaining.