Embrace | Pet Insurance Review

They provide on time notification about the progress of reviewing claims submitted to them.

I worked with Kyle while going through a lost claim check during the claim process. Kyle was great with his customer service and actually listened instead of waiting for his turn to talk. I finally received my claim monies via direct deposit (Kyle’s idea) and just wanted to say thanks to Kyle again. I think he deserves a pizza party.

Both of my dogs got bitten by a copperhead recently. One had to stay at emergency vet overnight. Luckily the other could be treated at my vets office. Having embrace took some of my worries away. I can’t say enough. They are great and their customer service is the best. So thankful I chose embrace as my pet insurance.

I just cancelled my service. I have kittens and after three months of being messed around on am I covered as being without preexisting conditions or not, I decided to go with another company. I’d get a yes, then no, then yes. Nothing is wrong with them. So there was literally no need for the confusion.

My claim for care at the emergency pet hospital was originally rejected because Embrace said it was a preexisting condition. I appealed the decision and explained that the original time I brought my cat in I was told that there was nothing wrong, so there was no preexisting condition. Embrace reviewed the claim and said it had been coded incorrectly and they then honored the claim. I don't know where the wrong coding came from--the vet or Embrace. I am pleased that Embrace ultimately honored the claim but I am not pleased that I had to go through an appeal to get there. Getting to speak to someone on the phone entailed a number of very long waits on hold and a rep who told me--incorrectly, it turned out--that it was definitely a preexisting condition.