Embrace | Pet Insurance Review

Embrace Pet Insurance settled my claim quickly. It was the first time I’d submitted a claim for my 12 year old dog, Syd. Syd became very ill. I took him to an emergency veterinary hospital. Several tests were done that showed he would require a very delicate surgery. At his age the prognosis wasn’t good. The made the decision to have him euthanized. I was told by Embrace that they would need to review Syd’s records for several previous years and that it could take about 30 days for them to determine a payment. I was very pleasantly surprised when I received an email with a very generous settlement within a week! The people I spoke with were all very kind and considerate. I highly recommend Embrace Pet Insurance.

VERY EASY AND REIMBURSEMENT VERY FAST. GREAT COMMUNICATION FROM EMBRACE. DEFINITELY WILL RECOMMEND!

Embrace has been wonderful. The claims submission is very easy and the website walks you through each step needed. My puppy didn't have some background information that was needed and they reached out and let me know what they needed and how to get it. Response time is quick and they are available for any questions. Wonderful experiences so far.

It has been 2 years of frustration, follow up, runaround, and non-payment with this company. Our dog has literally been enrolled with Embrace since 9 weeks of age. The first year we did the wellness plan and the work we had to do just to save $25 was ridiculous!! our vet submitted to them all the required proof of health and orthopedic wellness. But this apparently was useless. We had to repeatedly call in order to get any of our wellness visits paid. Anyhow, 2 years later and We had an emergency come up with our dog that cost $2800 due to something our dog ate. Yet they are refusing to reimburse us because (according to THEM) they need to verify that this was not a pre-existing condition. What?!? So I called and spoke with a rep and had her tell me word for word what I needed to email my vet and request them to send. The vet sent everything they asked. But Because our dog has never had anything other than vaccines and wellness visits, there are no extensive notes. So Embrace says their notes are insufficient. Now, instead of needing notes from the first 3 months of his insured period, they now need all of our dog’s info from June of 2021 to NOW. Our dog was not even born until September of 2021!! So apparently, they want to find something - ANYTHING - as a way to not pay. They also seem to want to tell my vet how to take notes. At this point, it’s not even about money. It’s about how much this company has wasted my vet’s and my time. Save yourself the aggravation. Go with someone else.

Still have a claim pending from February. Now after 5 weeks I see they are requesting paper work from the vet. Very slow on paying out claims. Should have stuck with Nationwide.