Embrace | Pet Insurance Review

It was very easy and straightforward to submit a claim with Embrace!

Quick and easy submission process

Easy to file a claim - user friendly website

Although it took a couple more days than advertised to repay me for my cat's wellness expenses, Embrace did follow through with repayment on that. I was mostly pleased with that. However, Embrace took far longer than they advertised to fulfill claims (around 14 business days to process a claim). It actually took more than 30 business days due to required medical history reviews that I thought Embrace would have already requested and completed around the beginning of my policy. Last week I reached out to the Embrace claim team asking for an update on why it was taking so long to get past the 'pending medical history' stage on my claims. The lady told me that they had still not received the records from one of the vets. I don't know why I was not informed beforehand that they had still not received them, as quite some time had past by then, but I reached out to the vet that day and made sure that the records were sent. The claims lady confirmed that she got them and ensured that she would have the adjuster expedite my claims. She said that they should be done by Friday night, if not that evening. They were not done until today. After having to wait for over a month to get a resolution, I've been told today that Embrace will not cover the expenses I paid for my cat's pleural effusion (fluid in the chest) because it is being considered as a pre-existing condition - the only thing they'll cover is the euthanasia and cremation. The reasoning I was given was that the emergency vet noted he had a heart murmur back in September, which was before I started the policy and the vet that I took him to last month was never able to determine the cause of my cat's fluid. I am extremely displeased with Embrace. Not only was I made to wait twice as long as advertised to get my claims resolved (and they did not even reach out to me to let me know what was causing the delay), but Embrace decided to not cover a condition that did not have a determined cause just because a heart murmur was noted a few months ago. Per what I was told by the vet, the cause could have been at least 3 different things. There is no proof that the heart murmur is related to the fluid. Not only has Embrace not been helpful, but they've also made my financial situation even worse than if I had just handled the expenses on my own. I have already started the process of appealing this decision and am requesting the cancellation of my policy. I do not want to waste my time and money on this company any longer.

Last claim was refused I’m appealing it I went through this last time that my puppy was never aggressive explained it was hormones and at 8 months old he was neutered has been fine since then we dealing with a medication stated for anxiety that was dealing when my pup found a family member in a pool of blood and alerted all cameras He is fine with no anxiety explained it’s a temporary situation and with medication was given to him Now it’s being appealed for the claim on 12/2/2022 Aggression never existed as I had argument was on 11/20/20 was only5 months old he’s a lab mix And a mush Otherwise never had a problem And I’m truly otherwise very satisfied Thank you Lisa matis