Embrace | Pet Insurance Review

Embrace provided excellent coverage when my boxer was diagnosed with cancer of the jaw and had to have a jaw removal and then chemotherapy. This was the second boxer with cancer, and for the first one they paid out over $18K over two years which is a LOT to provide the excellent care required by lymphoma, giving her an extra 2 years. I would never NOT have pet insurance and I am happy with them, four boxers now, one at a time.

Great customer service and very professional. The customer service representative that I spoke with was very patient and helped me work through process to ensure proper understanding of my claims requirements and additional questions that I had. Highly recommend to help with any of your pet insurance questions.

Good communication after submitting a claim. Our insurance paid as promised and we are very satisfied.

Stereotypical insurance company stall and deny tactics. Will not answer phone calls with a live person no matter what day of the week or time of day you call. Zero success in reaching anyone. Stalling on claims with the statement “pending complete medical history from your vet”. My vet sent in multiple times but yet they stall, I had my vet copy me on the last email with the required documentation attached, yet they still stall. Was really hoping they were different but they are standard insurance crooks they delay, deny and give zero customer service. Complete garbage of a company. On top of all of this they had the audacity to raise my premiums today! So their expectation is they should get paid even more for poor performance and crappy service. That’s a win,win, strategy for them and a losing one for me. No thanks, policy canceled.

Difficult to use and to track items submitted. Information is too cryptic and sparse. Talking to real person too difficult. I don’t know which items need more information and which do not. I gave up and probably left a significant amount of money on the table.