Embrace | Pet Insurance Review

They were amazing. I was unsure how this would go when I filed my first claim. They paid everything quickly just like my policy said. They even refunded part of my premium when one of my cats unexpectedly died. Great company

Customer Support was quick to respond to my email regarding difficulty logging in; they reset my password and provided my login name in the response. Once I logged in, I was able to change my password and quickly/easily submit my claim.

The process to submit the claim was very easy.

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.