Embrace | Pet Insurance Review

First claim on my new pup and what an absolute pain in the …. I even went to both vets and got the requested SOAP notes and uploaded myself. Then my claim was denied before the claims department even read the attachments! Then I had to argue that the notes were uploaded and all I heard was our system blah blah blah… eventually after I spoke to the adjuster after numerous calls the claim was reviewed appropriately and approved. I should never have to fight this hard when u did exactly what you asked.

You came through for Piper and us. She was a real sick puppy and thanks to you we all came out on top. Thank you.... Jerry, BJ and Piper

Customer service reps have been helpful. However, I've been frustrated over what they will / won't cover and the process. When they received my first claim they requested records from my vet and the vet who saw my dog before I got him. He had a slight ear infection when my vet first saw him. It's not covered. She filled out papers attesting no physical issues with bones, joints etc. I sent it and it was approved. Then, he developed a hip problem. Before considering the claim they requested records again. Next they didn't cover the shockwave treatments. Dental exam. No coverage. A few thousand in bills and what they covered didn't meet the deductible. Now he has an ear infection. Embrace requested medical records from all vets again. They requested them from the vet who saw him before he was mine, the Ortho vet and his regular vet. The rep said they "might" cover the infection this time. They won't know until they have all the records. He's three and I've had him for more than two years. What does the original vet have to do with an ear infection? What does an orthopedic vet have to do with an ear infection? I asked and was told they automatically request the records from everyone who has ever seen him. This is a lot of hoops to go through almost every time there's a claim. Overall I'm displeased. My next dog won't be covered by Embrace. I'm considering dropping it on my current dog.

Great experience

I got embrace for my new puppy's insurance and he had a allergic reaction to something and was covered in hives and so we took him to the vet hospital and on the same day both the vet hospital and I submitted the invoice along with the soap and they still haven't reimbursed us yet and it's almost been a month and they keep asking for the same information we already sent them and we keep sending it and still no luck and it's been about 30 days and they are saying it might take another 30