Embrace | Pet Insurance Review

When my dog blew out his knee, I admit I panicked about how I would afford his surgery and aftercare - then I remembered I have Embrace. I received my reimbursement via direct deposit in less than 30 days, and thanks to the addition of Wellness coverage, I had a lot fewer out-of-pocket costs than I imagined. Its a real comfort to have such comprehensive and compassionate care from an insurance provider.

Would give 0 stars if possible. My cat almost passed away in December from acute glomerulonephritis (kidney disease), which had never been previously diagnosed (he is 1 yr old). Despite this, my claim for his medical expenses was rejected due to the pre-existing condition of a cough that was noted during his kitten wellness exam 10 months prior. I appealed the decision and my vet provided additional medical records and a statement that the two were in no way related, however my appeal was again denied. In the past year I filed 3 claims for 3 different pets and every single one was denied. I have cancelled my very expensive policy for all of my pets and filed a complaint with the California Department of insurance. I would never recommend anyone waste their money on this insurance.

I found the claims process pretty easy. The direct deposit option for reimbursement adds another layer of simplicity. The very first claim took a little longer (a couple of weeks maybe), but once the first claim was processed subsequent claims were processed within a couple of days.

Insurance is too expensive. It goes up every year and is almost impossible to continue. The well visit plan is not worth the money. You get back what you put in but have to submit receipt the wait for reimbursement just to break even.!

Embrace was with me all the way when my sweet kitty, Ghost, got sick. They refunded my expenses in a timely manner and made me feel like my Ghost mattered to them. I selected mailed refunds, which take much longer but I still received my refund within 3 weeks. If I had opted for Direct Deposit it would have been 2-4 days