Embrace | Pet Insurance Review

Really bad. They sat on claims for 10 months, denied having received vet records multiple times. Customer Service indicated that there might be addition pre existing conditions for which they would have to deny coverage. Someone needs to help them understand what pre-existing means. Claims adjusters were just a mess. Manager of claims adjusters was douchey. Collectively they were just not honest or ethical. Finally I ran out of patience, took them to task about it all and in one afternoon they cleared 11 claims and reimbursed a couple of thousand dollars. If I had not escalated to the head of underwriting. I’d still be waiting for payment. Not a good company. Get your insurance somewhere else.

It was the first time I had submitted a claim and didn’t know what to expect. The process was very easy, I submitted my claim online with documents attached in minutes. I received a detailed response quickly and a reimbursement check soon after. I’m very happy with the process and pleasantly surprised that it was so easy.

I was able to pay for my dog's treatment knowing that I'd get reimbursed through Embrace. I was nervous about submitting claims, like, maybe it would be tricky or somehow his treatment wouldn't have been covered, but it was so easy! And I was so amazed at how quickly I was reimbursed. I tell everyone that they should get their pets insured before something bad happens. It really is a lifesaver, in every sense of the word.

I absolutely love Embrace. You put in a clam and a few days you have you refund. They are always professional.and knowledgeable. Always willing to help

Overall they were easy to work with in getting the claim paid. There seemed to be some confusion regarding medical records that had been submitted, but could not be found in your system, but it was resolved satisfactorily.