Embrace | Pet Insurance Review

This was my first claim but multiple claims and my experience was exhausting and stressful. Now Embrace does say the first claim is the hardest because of all the medical records they have to acquire from the vets and after the first claim the process is easier. First off my vet was not sending documents embrace needed. Then embrace said they didn't receive documents that I knew they had cause I scanned them. But the main problem was embrace was waiting for papers from a vet my dog never went to located in another state. The main central office must have been located there. This was 3 months of waiting after they received all medical records. I didn't get results until I called them twice and spoke to 3 separate employees at different times. By time I spoke to the last employee I was frustrated and they resolved the issue that day and I received a deposit 3 days later. That employee made me very happy. There is a breakdown with communication that needs to be resolved somehow. Having this insurance has saved me a few thousand dollars and I got the insurance last year.

Embrace did very well in reimbursing us fairly quickly. We were notified of approval 10 days after we submitted the claim. We were paid 2 days after approval. My only complaint would be that upon submittal of our claim, there was no updates to its status until the approval 10 days later. Just having it sit there for 10 days without any actions was a bit worrisome.

NOT happy at all. I sent all records to prove that the dental work was current and the still did not pay

The claim process was so simple and efficient. I filled out an online form and uploaded some documents. Both of my claims were processed and approved in the same day. The money was in my account 3 business days later. I had a question about a small item that was excluded (prescription food while in hospital) and was given a satisfactory answer. I just filled out an online form and received the reply via email.

Embrace has highly restrictive policies that make it difficult to make claims. Beware! They are very quick to play the "it's out of our hands." card.