Embrace | Pet Insurance Review

So far, I have not had a particularly good experience with embrace. The review of my initial claim was exceptionally long, and while they do say it could take up to 30 days, I didn’t actually think it would take that long based on my experience with several other pet insurance companies. Then after waiting for a month, my claim was rejected based on a flawed assessment. I then had to ask my veterinarian to write a letter explaining why their assessment was incorrect. Embrace then took another two weeks to review her letter and came to the conclusion that my claim should in fact be covered. In doing so they also “found” another exclusion that they had not identified in their prior review. They indicated that they would send me payment on the claim, but did not include anything about payment of the two other claims related to the initial one. I sent a note asking them to please re-process the other two claims since the initial exclusion was lifted, and I still have not heard anything back on that or even received an acknowledgment that they received my note. Overall, I find this company to be very slow and like all insurance companies, they are always on the lookout for exclusions, even when there aren’t any that are valid. I believe they need to improve upon their customer service as well as their efficiency. I’ve only been a customer for a short time, but so far I am not at all impressed. I have had much better experiences with other insurance companies who have been very easy to deal with.

The system kept crashing mid claim submission. Any insurance that just conveniently crashes during a claim immediately raises flags to delay service.

We just signed up for Embrace for our pet. I had a few questions, so called and was sent to an agent (Jody) who answered all of my questions. I had to confer with my spouse, but I called Jody back with a few more that he answered. We signed up and it is giving me piece of mind.

Excellent customer service. Agent was knowledgeable took time to answer all my questions prices were good

Good at first. But so difficult to connect with customer service. I need log-in help, otherwise I would refer to the app. Called twice and waited too long. I'll have to call again. Hopefully without a long wait.