Embrace | Pet Insurance Review

Really enjoy the scope of coverage and relative ease of getting claims approved. When I’ve had to call customer service they quickly connect you to a human being and are great at walking you through what is and isn’t covered. My only complaint is their app and website. The app regularly crashes on Apple devices, which forced me to use the website. Going through there crashed the claim once just uploading pictures. Again, great insurance and would recommend to folks. I just hope they can iron out technology kinks. Update 08/16/24. It doesn’t seem to allow you to reply to a response to the review. I’ve tried all the steps listed from the Embrace representative and have had numerous emails and phone calls to no avail. The app still crashes repeatedly on IPhone.

Confusing description of benefits.

Like every insurance company they just take your money and don’t give you anything. I tried to get reimbursed for a persistent ear infection which we had to get a culture and some special medicine made up. This began them reviewing the dogs health and then deciding that what I requested was deemed ‘pre-existing’ so it wasn’t going to be covered. Typical insurance BS. Dog was insured from when she was a puppy.

I have had my dog Lucy on Embrace for the past several years. I tried to submit a claim today for her 1-30-24 Vet visit (today is 8-8-24) but I was not permitted since it was older than 60 days after my renewal date (for 2024-2025 plan year). She was insured by Embrace on 1-30-24 during the 2023-2024 plan year, but since it was a claim from the previous plan year (for which I paid over $3000 in premiums), they would not permit me to enter the claim, which was for a Vet visit of just 7 months ago. This really sucks. I could understand if the Vet visit was over a year ago, but 7 months ago while she was insured with Embrace...come on Embrace, this is not the way to treat a repeat customer! My fault for not putting in the claim immediately, I will have to look into other insurance when renewal time comes for all three of my dogs.

I have yet to have a bad experience! They are amazing at communication and if they don’t hear from you via email for a few days, they will call to make sure everything is squared away. Not to mention, they are quick and diligent in their work. They are very upfront about all their policies and always willing to listen to a comment, concern or question you may have. Every interaction I have had from them is friendly! Every review of what they cover and what they don’t is shared with me and they always give upfront reasons for why they reject a claim (if and when they do). I love them!!!! I will never trust any of my pups to anyone other than Embrace Pet Insurance!