Embrace | Pet Insurance Review

The process to sign up & submit claims is simple & easy to use. The turn around time for a claim is only a few days. When I’ve had questions, someone is always there to explain things to me. Excellent customer service. I’m really glad I chose Embrace.

Riley's issues are complicated but I find the claims personnel very patient in reviewing and answering all my questions. They go out of their way to find every last penny to return to me. It is so appreciated. I was using another insurance company prior to Embrace and I was nickeled and dimed to death. I deeply respect the fairness of this company.

They settled my claims with no questions. They care about their clients.

Using Embrace has been a GREAT experience! All instructions are easy to follow and the plans are very clear as to what they cover. I liked being able to pick my options and to see the costs, so I could make an informed decision. It was super easy to submit claims. We were notified of the claim's status throughout the process. We have multiple pets covered and filing claims for both at the same time is simple as well. THANK YOU!

I've been a customer now for 6 months and from what I can tell Embrace will do everything they can to not cover any claim by trying to find any pre-existing conditions. For example in my case because my puppy had a short diarrhea episode when it was 10 weeks old a claim was recently denied when going to the ER after she ingested some moss, rocks, dirt, and wood. The only think Embrace latched on in the recent incident was that my puppy had diarrhea "again" and therefore diarrhea became "a pre-existing condition" and the claim was denied and expenses not covered. As an Embrace customer I understand the need for Embrace to vet the claims and make sure they're valid before reimbursing some of them. At the same time Vet hospitals don't have a lot of time to provide lengthy explanations on the Claim forms which leaves too much room for your adjusters to flat out deny and close the claims. There should be a policy to give YOUR CUSTOMERS the benefit of the doubt by asking to provide more information. We're your customers and it would seem logical that you want to help us instead of making it obvious all you want to help is YOUR BOTTOM LINE and YOUR SHAREHOLDERS.