Embrace | Pet Insurance Review

i decided to purchase a (wellness/illness-accident) plan for my (Bengal) cat who (is an only pet-due to limited finances) That started sometime approx 1/23..then i (only) used the wellness portion around 4/23 and this year. Bc i stated (limited finances) reimbursement time-frame is important to me. Last year the (entire visit w/labs, exam & vaccine was 100% reimbursed) And that occured in about three days. i was anticipating the same reimbursement time-frame this year but (when it wasn't) there on day five i called, which was about the third time i spoke to a Representative. i have to say (besides speaking to a Representative when i got the plan) i liked the straightforward answers i received then and this time. i think Embrace's rates are competitive but i think their Representative's Service e.g (attention to my coverage concerns and reimbursement times) are exceptional. When i called this time (bc it wasn't reimbursed on day five) the Representative stated (the 10 -15 day policy-which really had escaped my notice) But the Representative also stated, 'sometimes it's quicker' (bc i reminded them about three days-last year) So that was reassuring and the next day i received a notice (online) that payment would be forth right. And the very next day it was there on day seven. So that was good and i am happy with the rates (only bc they are competitive) But especially happy with their attention to service!

Seems like you found any reason to make all my cats history a pre existing condition just so you wouldn’t have to cover anything without asking ME questions or actually calling the vet. Seriously considering canceling. What’s the point? Per your response here’s what I have to say. My cat ate a string and got diarrhea. Took her to the vet. That’s not a pre existing condition. Eat infection. That’s fine I get it. Dental. One vet said she needed a cleaning. Other vet that says she doesn’t need it and gave me prescription for special food. So yea you’re still full of it. Definitely canceling this week.

Excellect, compassionate customer service staff

Easy to submit, quick decision

Pointless. I had embrace for a year and every claim took at least 1 to 2 months to process, where it would be denied because of pre-existing conditions regardless of what the claim was for. My female dog's 7 different claims have been declined either because issues not covered outside of wellness, or because of her pre-existing condition of having had an ear infection 2 years ago. The most recent one being AN EAR INJURY being declined because of this ear infection from 2 years ago. That's like declining a claim for someone's broken wrist because they have psoriasis. My male dog, stung by a bee, scraped the skin on one of his toes, and pulled a muscle playing. The bee sting and muscle pull were declined stating that they were only covered under wellness plans, the skin scrape has been under review since March - I assume so they can figure out how to blame it on his one pre-existing condition of bad gums. Just another insurance scam company, they got a couple thousand dollars out of me and in return I got absolutely nothing. Don't bother with this company, put aside the money you were going to pay them into a long-term savings account. You'll save yourself some money and headaches. It's bad enough that insurance companies go above and beyond to screw over customers, it's absolutely vile that they'd do it to our pets too.