Embrace | Pet Insurance Review

Embrace has been sitting on a claim for my dog since August. Her spay had gone wrong and we were in the ER with her bleeding out. (She's well now.) We'd picked Embrace because their marketing material promises to pay the provider directly. Except you need a secret 800-number to even talk to a live person after hours, and nowhere do they provide this info. Flash forward to now, almost two months later, and we're still waiting for reimbursement for a four-figure vet visit. All of the paperwork has been provided, and receipt has been verified, yet they're sitting on the claim and not replying to queries as to when we can expect payment. We've already switched providers. At this point, I am also filing a complaint with the Better Business Bureau, the Ohio Department of Insurance, and the NAIC. Under no circumstances should you work with this company.

So far so good, the sign up process was super easy. My mom had Embrace for years and loved it. I had another provider for my dog who just passed and although they advertised and brag about covering 90%, they made it difficult to actually get the 90%. I had to appeal on numerous occasions for items that should have been covered per the contract. I eventually got the money, but who wants those hassles. I went with the more expensive insurance expecting better service but that wasn’t the case at all. My mother had Embrace for years and she had nothing, but good things to say about them.

Always easy to work with. I appreciate the access to in person customer service with agents that speak clearly and can handle their business.

Although representatives are nice, they are saying my pet’s visit are due to a pre-existing condition. My vet says it isn’t. Why bother with insurance?

Easy to submit a claim.