Embrace | Pet Insurance Review

This company will find every reason to deny your claim. I had to contact them 4 times to get them to see where they had made a mistake. I responded to their reasoning in messages and they sent me the exact same reasoning each time. It was like they didn’t even read what I said. It took me calling and being sent to the adjuster’s voicemail to actually get in contact. The adjuster sis not call me back, but emailed me with the SAME response. I immediately responded and told them they needed to call me. We set a time, they were late, I emailed again and immediately got a call. The adjuster had gone to her higher ups and they pointed out what she missed. This has been ongoing for a month. I am cancelling my insurance with them due to the crappy customer service. Their plan isn’t even that great. I’m going back to Nationwide. I never had problems with them.

I submitted wellness visit on all 3 of my dogs. I was informed by the salesperson I could use the wellness immediately. I had my vet's office send all history and they requested as well. My vet's office has shown proof of them sending the information. I have uploaded information and after more than a month they have finally paid for 2 of my dogs. The other is still on hold for lack of records which have been submitted more than once. When you speak to a person you get the same song and dance. once we receive the records it will take 2-3 weeks to review. Or we have everything I see the records have not been reviewed yet. Then a few days an email saying they have no records. However, they are on the ball to take your money.

Embrace Reviewed vet’s clinical notes, and from this, Embrace made a diagnosis. Then they exempted payment for any treatment of the disease that they thought my dog might have. The vet made no such diagnosis! Sham

My pup had lupus. No problems at all. Claims are easy to do. Got paid quickly with no problems. As she continues to go to the vet, it is nice to know there are no worries about me being able to afford her treatment.

Perhaps filing my claim within a month and not making me reach out repeatedly to get them processed. Also maybe not immediatley declining my claim and then needing to undecline it. And then repetitively asking for information that was already sent in. That would be weally weally nice.