Embrace | Pet Insurance Review

This is my first experience with pet insurance and I am very happy with the product and process. I was able to submit my claims easily and seamlessly, and they were approved promptly. I quickly received a direct deposit for the correct amount.

Submitted claim shouldn’t ask for a review until claim is settled

When are you going to approve my invoices for credit? I left my previous insurance provider for rejecting invoices because the veterinarian office wasn't responsive with medical records. Sounds like you are going down the same road!! Why am I paying you?

I could write a soliloquy on the hoops I’ve had to jump through with this company. Quite honestly, if you can afford to pay for this monthly premium, you can afford to pay out of pocket for any care a healthy animal would receive. It would be far less expensive and void of the headache of dealing with them. You’re required to submit certain documents in order to even get the insurance, including a full medical history, plus a new physical exam for your pet in order to secure the insurance. So why they need all of this information submitted with every single claim is beyond me! It is a hassle to you and to the vet because they literally have it all on file. But why do they do it; to delay, delay, delay and ultimately to place on hold or deny any illness claims you submit. When asked where are the documents, you’ll never receive a response. It’s never a hassle for them to take your money, but always one when it’s time for them to pay up. I’d never recommend them for illness coverage. You’ll be paying them and the medical bills, when you can just pay the medical bills, because you’ll never see a dime back from them. The wellness prevention package is worth it because it’s basically like a loan of your money upfront. But guess what; that’s an add on service so you can’t purchase it without the illness coverage. This company deserves to be sued because they are in no way fulfilling their duties and are misleading their services to get your money. Don’t waste your time or energy. You’ll regret it. I certainly did. And so does my dead cat.

Quick claim processing