Embrace | Pet Insurance Review

I just recently had my first claim for an ACL repair. As was already expected, it took a little longer than what they say the usual is for claim turn around due to needing full medical history. This was stated upfront so it was expected. Entering claim was super easy. They said to expect up to 30 days for an initial claim and it only it took just shy of 30 days to get reimbursed. I am very happy with the service and the full disclosure of what to expect. It took took little effort on my end and my baby was able to have surgery with piece of mind.

I had just gotten my new Kitten. She got into some bad stuff and had to go to the hospital. It was an emergency clinic so the bill was BIG. They auto denied the claim and when I clarified it was covered by the accidental coverage within the 14 days or whatever, my claim has been stuck in limbo. I checked in with my vet and they said they have given all of the relevant information. I’m going to give it a few more days and will update my review as necessary, but so far I am not impressed.

I got a puppy to train as my service dog. A few weeks after we brought her home she was very sick and it went on for months. Embrace was with me every step of the way. The EoB's are easy to understand. The people I've chatted with have been very kind and so far everything has been covered. It takes the most frustrating part of a scary situation out of the equation.

Recently I had a potential poisoning scare with my dog. On our walk it looked liked she had picked up a sago palm nut and ate it. I was unable to get it out of her mouth. I rushed her to a local emergency room where vomiting was induced. Because of the severe toxicity of sago plants she had to be transferred to a veterinary hospital that had critical care vets for further treatment and observation. She remained hospitalized for 2 days. She is fine now thankfully. I sent all invoices to Embrace who quickly reimbursed me for 90% (per my policy) of my expenses. When I had some questions about the process they were very helpful explaining things to me. I am so grateful that Embrace made the frightening experience easier to navigate without the fear that I would not be able to afford critical emergent care for my sweet Pippa. Thank you, Embrace!

I just cancelled my policy. After 4 years the cost more than doubled. I had no claims that were ever approved. I sent 4 emails requesting the cancellation before the company responded. Very poor business in my opinion