Embrace | Pet Insurance Review

The process is easy, but it could be more efficient if I could select the pet and diagnosis and then submit several invoices. Or at least have the option to keep the same pet & diagnosis when submitting several invoices separately.

Very slow in processing claims, find any loophole or excuse possible not to cover claims, call anything they possibly can a pre-existing condition, do not cover half of the things they should, increase prices every year SIGNIFICANTLY, pet portal is frustrating to use - should be able to view all info regarding a claim (amount, where, date, which dog, claim details etc). Do NOT recommend them for accident or illness for the above reasons. Rates in general are way too high. Adding fees for things that should be covered - like dental, prescription etc. Should always cover expenses for euthanasia, cremations etc even if wellness funds are depleted. They need to lower prices, stop claiming things are pre-existing, process claims faster, and overall provide better CS.

The claim process is fairly easy to understand and submit.

Embrace's response & turn around time was unbelievable. Had my puppy at an Emergency Vet on Sunday, submitted my invoice on-line on Monday and by Tuesday morning, $776 was already deposited in my checking account. To be very honest, I had considered canceling my insurance after an earlier claim had been denied due to "pre-existing condition". But I am glad I didn't. After my puppy had a massive blockage from swallowing something he shouldn't have and he had to have emergency procedures, I could not have been more impressed with there service.

Embrace is very efficient and their Claims Representatives are very knowledgeable. The re-imbursement on claims is quick and trouble free.