Embrace | Pet Insurance Review

Insurance specialists seem poorly organized and not good at what they do, imho. (Maybe they are just overworked.) These are my following true experiences with them: 1. Insurance Specialist updated a claim 9 days after their initial document request that the claim was “pending request documentation delivery.” However, the vet sent it the same day they requested 7 9 days prior. The hospital forward me the email and send me the notes in case they still hadn’t receive them. Worse part was that day I had just spoken to someone at Embrace and they said they hadn’t received anything which is why my case was still pending. This urged me to call the vet’s office. 2. My pet is a puppy. Mind you, we have gone to the vet mostly for routine care. Embrace had already requested all files pertaining to my fur baby. Yet, when I submitted a claim for an infection they requested all S.O.A.P notes because they have come to the realization that additional information was needed. This time it took them 21 days to realize they didn’t have all the files needed in order to process my claim. Once again, I go to my vets office and they showed me they had already send the requested documents. 3. Embrace specialists also only handles one claim at a time, even if multiples have been submitted. 4. In one of my claims, they sent the file request to an emergency hospital instead of my normal vet where the service occurred. When I called to find out the reason for this, they said all files need to be accessible in order to process the claim. We had gone once to this emergency hospital and it was for foreign object treatment. There’s no more notes from this hospital. Also, we submitted this claim so you already have the notes. A serious case of the left hand does not talk to the right. 6. I’m still waiting refund for the one illness infection my puppy have because they are still “reviewing” my case. They said it’s only the first illness that will take a while - approximately 30 business days, however I’m still awaiting that first and only illness refunds. Overall, they are just okay in my book. I wish I would have made more research in Nextdoor for real feedback instead of potentially biased websites recommendations. Trupanion seems to be better at handling their cases as well as coverage. A little more expensive but worth it!

My cat had urinary blockage issues and I had several emergency room visits which eventually led to him having PU surgery. The cost of everything togther was over $9,000 and Embrace reimbursed me for 90% of that (minus $100 deductable). It was truly amazing! I can't say enough good things about them. I have recommended them to everyone.

Easy claim filing process. Quick payment. Good communication.

My claim was processed quickly and efficientlyll Absolutely easy. Am totally satisfied with Embrace.

They raised my rate 67% despite having no claims and a pet under 4 without any health issues. They also did a bait and switch where they said if I made no claims for the year I’d get my deductible lowered by $50 each year I didn’t have a claim. Then as soon as I was eligible for said deal they said it was no longer available.