Embrace | Pet Insurance Review

I have been paying my premiums right on time for years with Embrace, but I have spent the last two and half months trying to get them to cover a couple of procedures / surgeries for my dog. First they call the wrong clinic to get medical records instead of contacting the clinic whose name was on the forms I sent them. Then they have insisted over and over and over again that they don't have the complete medical records and my claim is being upheld due to that. My vet has sent the forms over and over again to them. The dog is only 14 months old - how many records can he have? And they have them ALL - multiple copies, but they are still stalling while my credit card charges multiply because of course I've already paid for the surgeries. Save yourself the headaches I have been having and go with a different company!

The process was quick, easy and efficient. They handled everything and reimbursement was quick.

Embrace seemed guenuinly sympathetic about the news. It was nice that the first conversation was not about whether or not the claim would be considered valid. We recieved a sympathy card that was incredibly nice and very personal with handwritten messages. The claim was fairly easy since there was limited paperwork, probly as good or better than any insurance claim. I rated it only an 8 because having to make a claim while losing a dear friend was aweful, and it took 2 months to get word of the completion of the claim. I have paid thousands of dollars in vet bills before getting insurance , and it was nice that during Tanks end of life I did not have to worry about the costs.

The veterinary hospitals and small vet practices don't want to deal with insurances - they told us this fact. Embrace insurance company wanted the background notes for a pet history. Consequently it took a very long time for the claim to finalize and I'm sure much hassling between Embrace and these providers to get the info they wanted/need. I'm guessing these providers don't want the overhead of the insurance claim process. This is the first pet we enrolled for insurance and it was a very frustrating process.

Vet was very familiar with Embrace and completed the form and sent in our behalf. Had a check in less then a week from date of service!