Embrace | Pet Insurance Review

Embrace Pet Insurance has been wonderful! It is so easy to submit a claim and each claim is quickly evaluated and paid. The bonus for me is that the claim is paid directly into my bank account. Their documentation on what is and what is not covered is very easy to understand. I highly recommend Embrace Pet Insurance!

Super fast claims processing. Easy to file the claim itself. Highly recommend

They took a typo in the medical notes that our vet worked very hard to rectify and ran with it. Would not even believe my vet that it was a typo and said their decision not to cover was final and that it was now a pre-existing condition. Vet said she never saw an insurance company act this unreasonable and deliberately obtuse. She went through all the requested channels to rectify the error but they still doubled down and deliberately misinterpreted another line in our pet’s health records to stick to their original adjudication that anyone with a first grade reading level would be able to interpret correctly. Our vet tried to make it clear again but they wouldn’t budge. Vet said she will never recommend Embrace to her clients based on how they acted with her and said it seems to have gone seriously downhill in the last year or so. They act like they get bonuses for denying coverage, it’s insane and their arguments are clearly bad-faith arguments.

Claims were satisfactory resolved and fast.

I very much liked the ease of talking to a rep. All of the company reps were sweet, knowledgeable, and kind. Even the one who took my cancellation notice was friendly and never tried to change my mind or sell me anything. I adopted my Coda one day after putting my 20+ yr old Pepper to sleep for serious kidney issues. I wanted full coverage for the new one so I didn't have to spend huge money if she was found to suffer from kidney issues as well. She had been to a vet once with previous owner and from that ONE visit, they refused to cover her for any kidney issues due to one lab done 2 yrs previous. I will care for this lil girl the remainder of her days, but them considering her a bad risk due to ONE lab, irritated me beyond my ability to continue with the now over $400/yr. coverage rate which was much higher than her initial yr. coverage. Nope, I am NOT paying for other pets issues and rate increase because of ONE lab. I am a retired R.N. and have worked with insurance companies all of my career. If this had been a human being I would have been appalled, however I am simply angry with it being a pet. My income is fixed. I can't afford outrageous jumps in a policy coverage rate in only one year especially if it will not cover the health issues I most worry over. I will simply put money aside monthly for her vetting. Give me rationale for this massive rate increase at least, before simply billing me. ( she was seen by her vet ONCE in this past year for her distemper inj. and I never bothered to submit it thinking it would push her fee up. I was wrong, and should have known it would go up anyway). Insurance was a waste for Coda and I.