Embrace | Pet Insurance Review

Embrace said they would reimburse me for 2 claims, but the $ not showed up in my account. I've waited awhile and then was in contact with Claims Dept., and they said they will report it, and it may take another 15 working days. This is my first time getting claims after paying Embrace for premiums, and I am disappointed that it is taking so long to get this solved. It has been over a month that my first claim was granted.

Our beagle developed bronchitis and she needed x-rays, blood work, and medication. I submitted my first invoice and Embrace applied the entire amount to my deductible, which I then met, and reimbursed me for my percentage of the remaining invoice. The process was quick and painless and I found Embrace to be very fair.

Always responded promptly and claim was processed quick and easy!

I called Embrace because they were rated #1 by Forbes. I talked to Brian, who answered all of my questions and concerns after a bad experience with Spot Pet Insurance. We adopted a 4 month old Silver Miniature Poodle 9 months ago. We purchased pet insurance to cover needed vet bills and medicines for our baby. We recently took Sterling to the vet for a heartworm test so we could get our new prescription for Trifexis, which I was expecting to be reimbursed for the test and the 6 month prescription. The vet informed me that there is a new year long shot for heartworms and told us how much it cost and that the shot only prevents heartworms and we would still need flea and tick prevention. We decided to do the heartworm shot and purchased Bravecto for fleas and ticks for 3 months for each application. When I sent my claim in to Spot, they approved $25 for all treatment (Test was $41, Heartworm Shot was $107 and 3 month prevention for Fleas and Ticks (Bravecto) was $75.70, $223.70 Total). They said they only cover $25 per year for heartworm tests, prevention and flea and tick prevention. $25 for the year!! I questioned this and they told me it was on page 10 of the contract. I searched with them on the phone to find it on the last page of the contract (Page 21) after the name and address of the company that carries the policy, not Page 10. It is hidden at the end on the very last page! I immediately canceled my policy with them and ended on the phone with Brian with Embrace! Brian was very professional and knowledgeable about the insurance policy and what I needed for the coverage I was interested in. I told him I wanted to talk to my husband before I actually made a decision about coverage. He told me he could call me back at noon the next day, which was a Saturday. He called at exactly noon and signed me up. I feel confident that things will go much better with Embrace instead of Spot who hides things in their policies!!

The representative who helped me was very helpful and courteous. She listened and gave me the time to explain what my question was.