Embrace | Pet Insurance Review

The process was easy and quickly.

Too expensive, too much trouble to file claims, ALL allergies deemed life-long ailments when they aren't necessarily,

I picked Embrace out of the pile at the recommendation of the shelter I adopted my dogs from. I have filed a half dozen or so claims for my older dog. Thus far, every significant claim I have filed resulted in a protracted period where I awaited response (at times longer than the 15 business day turnaround advertised), only to be told (erroneously) that my claim was denied due to the issue being a preexisting condition (which has been an incorrect assertion every time). These have been with different adjusters, so it’s puzzling that I’m seeing a pattern where the rationale is either fundamentally incorrect or they’re misinterpreting my dogs history. To make matters worse I am a human physician, so when the rationale doesn’t make any sense it’s straight forward for me to point it out. Yet only a few times has the decision reversed after my input. Other times they demand an appeal letter from the veterinarian to reconsider the decision, which most recently involved denying a claim because a preexisting condition was listed as one of ten potential explanations for an acute illness. Appeal letter writing is a tactic used by human insurance companies in the hopes that the doctor won’t have time or the patient will give up, which would be the equivalent of getting a bluff through in a game of poker and is functionally practicing medicine without a license. It makes me wonder how many Embrace customers accept claim decisions in good faith simply because they don’t have medical training. Thus far my experience has been frustrating due to delays and nonsense arguments from adjusters. Insurance is meant to be “peace of mind” and to protect those one values. Embrace advertises the letter of that sentiment but is quite brutally missing the spirit. Prospective buyers beware.

The good of all Pet Insurance I canvassed, based on price and coverage and the customer rep was just so amazing who answered all my questions nicely. I ended signing up after months of searchingas I found Embrace the best for my baby pet👍

Embrace Pet Insurance is all they claim to be and much, much more! Their turn-around time is consistent and expeditious. When I work with the Embrace team, I feel like their #1 priority during all correspondence, be it email, phone call, or text. When my precious little princess was diagnosed with cancer, the Embrace team was right there to ensure my coverage options were clear and I was supported in every way possible during one of, if not the most challenging time in my adult life. Thanks so much, and I will continue to share your excellent customer service and support with all my pet parents and animal lovers! Bridgette A.