Embrace | Pet Insurance Review

I have never submitted a claim to Embrace without having some sort of issue, unless it’s a Wellness claim if you have paid extra for a Wellness plan. After having them for a year, I submitted my first non-Wellness claim and it took 4 months to go through. I had to send them my pet’s medical records multiple times, with them saying they needed medical records to cover since his birth. We gave him the records the Humane Society gave us, and they wanted the records from before that. How are you supposed to get medical records on a stray?? Getting them to accept a claim is like pulling teeth. Shop around for insurance before picking.

It's so easy to file a claim! Our dog has been insured with Embrace for 11 years. Embrace has paid every claim we submitted and has reimbursed us thousands of dollars for our chronically sick pet.

Martin was diagnostic with heartworm disease in december. He was a rescue and he didn't test positive until he was one year old...So, we have had Embrace for a year now, they make every claim difficult. They keep asking for medical records they had at the time of applying for the policy and ask for his medical records prior to when we adopted him. So far they have denied every claim. I am going to let this last claim run its course. If they still denied it I just going to cancel both Martin and Meyers policies.

Website is easy to submit a claim and navigate

Nothing yet but hoping for positive experiences!