Embrace | Pet Insurance Review

I have had Embrace for our last 2 dogs and have never had a problem with reimbursement. They are always on top of things and very friendly if I have to call.

Our cat had swallowed a needle and thread that had to be removed by endoscopy on New Years day. We ended up paying over $4700. They did a great job and our cat is back to normal. We submitted our claim to Embrace and within two two weeks received our money with no hassle. I was pleasantly surprised that they made it so easy. Highly recommend Embrace.

This company gives you the runaround to avoid paying claims. My 9 month old puppy had a upper respiratory infection. I took him to the vet and the charge was $125. I submitted a claim but I keep being told they don't have all of my dogs medical records even after I uploaded everything multiple times. They then contacted my vet and got what they needed but after a week they decided they still needed more. After getting that they decided they needed records from the vet that completed his Neutering appt. It's ridiculous. That vet doesn't even have any records other than what was from the Neutering appt. Anyway even after getting this they still haven't paid the claim. It's been over 2 months....... I would not recommend this company to anyone.

I would have given them 5 stars, but they play the same game that human insurance plays with pre-existing conditions. Their wellness insurance is excellent! It reimburses you for all of those expensive vaccinations, rabies, etc... The regular pet insurance is good. I just got a check for $495 for an emergency vet visit. The total was over $1000.00 but pet insurance doesn't usually pay for emergency visits. Claims are very easy to file.

I like that finding my claim status on the website is very easy. I also like that your processing time is relatively fast and that I am kept informed.