Embrace | Pet Insurance Review

My puppy was seen by a canine dentist for a misaligned canine tooth 2-1/2 months ago. I submitted a claim, which has not been credited toward our deductible. A follow up for a second opinion with a better qualified vet 2 months ago also still on hold. In the mean time, in lieu of surgery, using an inexpensive device and with the approval of the second dentist, I was able to encourage his canine tooth into the correct position, saving us and Embrace money. I have given Embrace every single thing they've asked for as far as medical records are concerned. I have provided information for the out of state vet that did his well puppy check where he was deemed healthy with no medical issues. Had he come from a shelter or "rescue", instead of a responsible breeder, he would have no medical records to check, so I guess Embrace is penalizing me for owning a well bred dog from a responsible breeder. I received yet another email stating that the claim is on hold for want of medical records, that I know have already been provided to Embrace. Because we have a high deductible Embrace isn't even paying any money on this claim, merely crediting a portion of the bill toward our annual deductible. Embrace seems to be making no effort to resolve this claim without me calling them every few weeks to inquire why it hasn't yet been resolved. Embrace used to be a wonderful company. They've obviously changed. Edited to add: I have already provided ALL of my puppy's medical records to Embrace. Their request that I do so again, is just another example of their continued foot dragging. No employee that I have talked to has been happy to research anything to get this claim credited. It's all on me, as an owner, to call Embrace repeatedly and hope I get an employee willing to actually address this specific issue. When Embrace got records that did not answer their questions, they did nothing except send me yet another non-specific email refusing to credit my claim toward my puppy's deductible. Edited to add: Just received yet another foot dragging email from Embrace that concluded with the following. "This process can take up to 30 business days once we've collected all necessary medical records, and it is likely you will not receive any updates during this time." and "Feel free to contact us if our requested time frame has been exceeded." This says everything you need to know about Embrace - we're gonna drag our feet and it's on the customer to keep following up as we do. Zero-star service.

My kitty had to have a follow up visit this year and then we had an emergency visit. Thankfully, my Brownie is ok and healthy again. I was able to easily glide through the claims process. All the agents at Embrace I spoke with were friendly and knowledgeable. I am super happy about the return! Get your pet covered. They are more than worth it!!

Embrace is an Excellent Pet Health Insurance Co to deal with. It was very easy for me to submit my claims online to them and they were resolved with expediency to sending me my insurance claims reimbursement for medical for my cats. I am very satisfied.

Embrace insurance is amazing. My dog Truro has cancer and the approval for her treatment was super fast. They have paid for all of her Chemo. The payments are also super fast and direct deposited making it super easy. I could not recommend Embrace highly enough.

My wife and Embrace saved the day! I said, “We don’t need insurance for a healthy, 3 month old pure bread,well known breeder bread puppy”. “It’s a waste of money”. Boy was I wrong. I was finally talked into it and so happy we chose Embrace. My 1 1/2 year old lab was diagnosed with an elevated liver count which not treated now is life threatening. After many tests , which Embrace covered, our vet and a few specialists agreed that biopsies were the only way to find his cure and treatment of action. I forwarded the estimate to Embrace, which was super easy by uploaded the pdf,and within days they said what would be covered ,which was everything. This procedure ran me well of $9,0000! Not only did Embrace cover the promised 80%, but it was directly deposited within two days of my submission!! USAA and Embrace haven’t ever let me down!