Embrace | Pet Insurance Review

My rating is based on the ease of filing claims and communicating with representatives. It is helpful to have the insurance for my fur babies and the app is a simple way to file claims

It was very easy to file

ease of use… everything done within the app!!!

The main issue was that they needed further information from one of the vets we attended. They weren’t making an effort to get it, and asked for my assistance for the info, but neither the online portal, nor the email request had info regarding which vet or what information they needed. After 3 phone calls with embrace I was able to figure out what they needed, and get it from the provider (which was very easy) and had them send it to me and Embrace, which I’m glad I did. I also forwarded the info and got email notification of receipt. One month later I get an email saying they never received it, so I get on the phone with a fourth rep, and have them put me in touch with an adjuster. Suzanne was great and got it figured out immediately. There’s just so many things wrong it’s hard to make any meaningful criticisms… but Suzanne was awesome, so two stars.

Make sure you do your research on pre existing conditions. My French bull dog had a slight ear infection when we did his initial wellness exam and according to their terms any Dermatologic condition is not covered for 12 months. I paid out of pocket 700$ and they didn’t cover any of it. Sad since I pay almost 100$ a month for absolutely nothing. They did not warn me about this when I got coverage initially so I feel completely scammed out of thousands of dollars.