Embrace | Pet Insurance Review

In 2019 my dog had fat mass on his chest. In September of this year he had a bump removed inside anal. Embrace said it was related and refused to pay. My Vet had to write letter to dispute what they said before they paid. It was 2 months after surgery before I was reimbursed. They question every invoice and you always have to have your Vet explain the reason for the invoice which is time consuming. They are very slow in paying because every invoice is scrutinize. I stop using any pet insurance from the experience I went through. When I submitted first invoice I was told that his chest mass needed to be tested. When I did that and resubmitted invoice that is when they appealed it and I had to get Vet say it wasn't the same. It took me 3 weeks to get testing done and at that time I was told I had to get a letter from Vet saying it was not the same. The invoice was over $1,000. So be aware that you will not get your money right away. They will question every invoice you send in.

Embrace has been wonderful to work with, quick turn around on claims and very thorough with all explanations. Also constantly updating status of claims with very friendly emails. I would highly recommend Embrace insurance if you are a pet owner.

I have never in my life used an easier system to submit a claim. This is very important because it builds my confidence in my claim being handled as intended, and it makes you all seem trustworthy and competent overall.

Embrace is a life saver. My girl has some special needs and without Embrace I wouldn't be able to afford to give them to her.

I have found that this company tries to make everything a pre-existing condition so they do not have to pay. When they denied my claim, my vet wrote to them and said that the current issues have absolutely nothing to do with my 2 year old dogs pre-existing condition (which I have never even tried to file a claim for) and they still denied the claim. I will be looking for new insurance for my dog.