Embrace | Pet Insurance Review

Customer service is very courteous. I adopted my puppy at 4 months and this is my third policy to cancel and she’s only 15 mo old. Lots of jumping through impossible hoops. No reimbursement. We live in a rural setting. She has never been injured. The problem is my vet does not use SOAP notes. The vet does provide medical records but not in the form all insurances require. FINALLY! This customer service made that clear. I can never have my pet claims reimbursed for a reason I learned after a year of premiums. We love our dog and our vet. The insurance constraints make her uncoverable. We hope to have her for years. Very frustrating as no one told me the SOAP requirement but gladly took my money. I had to research vet procedural requirements and contact my rural but wonderful vet to determine the problem. ASK YOUR VET AND YOUR PROSPECTIVE INSURANCE BEFORE YOU PAY FOR INSURANCE. Our pet is not uninsurable because of an unspoken requirement. 1) Your vet is an amazing practitioner but does not conform to the insurance software/paper compliance. You won’t ever receive reimbursement. 2) Your insurance company will not tell you up front that the SOAP medical records system is mandatory. Handwritten or typed medical records are useless to an insurance company. My beloved pet’s life and future pain unimportant to the insurance company because of our rural location. 3) What exemption will you discover? Having paid all her premiums timely, they were for naught. I suppose insurances will require Electronic Medical Records next. Which will truly be absurd. My pet is uninsured despite our efforts and great care. Buyer beware! Wasted money. No security for my girl. All because of paper compliance. I didn’t know to ask about SOAP to either vet or insurance company. I can guarantee you the vet prices will be higher if specific software is demanded. I’ve wasted far too much time on this already. My pet is still at risk! 4) Embrace did refund my first premium but I was not informed of SOAP requirements until I educated myself. The Fetch and Pumpkin companies continued taking my money while not paying claims. They never told me SOAP was mandatory. I educated myself and asked Embrace directly. Otherwise I may be in the same pay for nothing vicious circle.

Although it's never good to have an ill pet, Embrace was there to help along the way. Don't mistake the process - there are still precautions you have to take out to ensure you're getting help (keeping up to date on records, immunizations and documentation), but once reviewed, they were able to help with some of the hospital bills.

This company is a giant RIP OFF. They will always find a way to NOT pay a claim filed on your pet. Very expensive and you get NOTHING in return. I cancelled my pet policy and DO NOT recommend anyone getting this policy!

I've had a little too much experience filing emergency medical claims for my dog this year, but Embrace has made the process of filing claims and getting reimbursed quick and stress free. They have also been very good about honoring their commitment to cover allowable medical expenses under my policy. I would definitely recommend them to all of my friends looking to buy pet insurance.

They still won't process a claim I have. My pet has had several physicals and yet they say they do not have a physical on record. Why do I bother carrying your insurance when you delay and put on hold any claims I submit? I'm tired of having to call and work this out with an agent. EC 0521-8050