Embrace | Pet Insurance Review

Claims are classified depending on prior conditions. My dog had liver disease which had not been identified before, but I was told it is a pre-existing condition. The claim was declined. I feel that for the premium I pay monthly some amount of the claim should have been paid.

I have taken my Pets for Routine Annual Pet Vet visits and Vaccines. Both my Pets went for their Annual visits in November 2023. I did not try to receive payment for these Vaccines or visit, However, when I took my Dog Sadie into our regular vet for a new Health concern after the waiting period and my claim was denied after being told they had received complete records to move forward with my claim. After waiting forever, received a comment that records for Sadie were incomplete and my claim was denied to to a previous existing condition as they decided on my claim!!!! I canceled the next day. Customer representative was also very rude and condescending to me on the phone.

Ms Amanda Olszewski , the claims adjuster was so professional . Kept me informed about documentation requirement's and always followed up with an email and claim was reviewed and paid . Very professional , polite and eagerness to assist.

I was pleasantly surprised how fast they processed the claim hassle-free Its a peace of mind to know they are a click away

Claim approval and coverage exactly as stated in policy. Claims generally take longer than other companies and are not within a few days, but totally acceptable given the coverage and claim approval I've dealt with. 100% happy with Embrace!