Embrace | Pet Insurance Review

I wrote a review before I got my claims reviewed. I mentioned how easy it was to start the claim and how responsive they were at first. I had 7 claims due to an unfortunate week for my puppy were we started with a possible leg injusry and x-rays and ended having bladder and urethra surgery, thousands of dollars. I was ready for the expected run-around and request for "more information", "more paper work", "time to review" and not having access to the funds (which insurance or not, my puppy would have gotten his care no question about it), requiring mayor life adjustments. 1 week later my claims were still waiting to be in review status, I sent an email requesting an update and the response I got back 5 days later was not what I expected. Five (5) of my seven (7) claims were resolved and approved for reimbursement! 1 week later 5 claims were already reimbursed. No not, the ones with the lowest ammount, surprisngly as it might be, maybe a coinsidence, but the highest amount claims were paid first! (1 claim alone was over 8,000 USD!!) A week later claim number six (6) was paid, there was a delay because of me submitting the recepit, but not the itemized one (instructions say to do so, I failed at that). The last claim, which was one with one of the lower amounts took a little bit to get resolved. Somehow the receipt kept getting "lost" or could not be found. After several emails to the general assistance mailbox I was surprised that I was contacted directly by a case manager asking me to correspond with her directly and she talk to me on Friday, Wednesday morning I had the reimbursement in my account. I will definetely recomend Embrace and my experience was not perfect but was way above and beyond what I expected and I did not even waited a month to have thousands of dollars reimbursed. I have told the story to family members that have other insurers and they even asked me to see the emails, they could not beleive how fast an easy it was! I am definetly glad I chose them.

Very helpful and pleasant!

This was a cancellation request due to their inaction on claims. Dialog effectively validated they rarely pay claims. Most incidents can be counted as preexisting conditions and are thus excluded. I must shop elsewhere as their help is useless.

They are there when you need them to be. I have been a subscriber to this insurance plan for many years. The associates are always very polite, professional and most importantly, kind-hearted. The payments are handled in a good time and I am thankful to have them.

The process for submitting a claim and navigating my account is so easy. We have submitted many claims because my dog has two chronic illnesses and they have paid many of them in full. They are also very responsive when I have questions or concerns. I have been very pleasantly surprised with the service at Embrace. Highly recommend.