Embrace | Pet Insurance Review

I'm very grateful for Embrace. They make the claim process very easy. I recently submitted for an appeal for my pet that was documented on initial evaluation that he had a preexisting condition which he did not. Still, I did not catch since I don't review the veterinary records. I did contact Embrace and they were able to assist me with what to provide to be able to remove the "preexisting condition". I would highly suggest anyone who has an elder pet to get Embrace. Illnesses and accidents are not planned. We purchased the policy over a year and half ago I think and just recently he became ill and we were able to use the policy which was a huge "peace of mind".

Ease of use.

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.