Embrace | Pet Insurance Review

We've had Embrace insurance for about 5 years and they never fail to amaze us with their efficiency and great customer service. We have 3 cats so have made several claims which are all paid promptly. We can't imaging owning pets without Embrace!

Have written about them before. They continue to support me and my baby dogfies! Love em!

Gracie my Golden retriever has had a few different issues over the last several months that have been treated. Every visit I was sure to have my vet fax the info into Embrace for filing. I always received an immediate response from Embrace and with the wonderful portal they provide I was able to see the process. Once my deductible was reached my claims have been paid very promptly. I have been a customer for 5 years and have had good experience with Embrace.

I got pet insurance when we got our pug puppy. She has been insured for like 9 or so months and she just turned 1. She has seen the vet many times. Took a little while to diagnose her with Demodex. She has been treated for this problem for 7 months now. The first day we had her we took her to be checked out by our vet. She had yeast in her ears so they now find any dermatological condition pre existing based on that. And that is fine with me. I understand how insurance works. One of our claims got partially denied because they felt part of her problem was dermatological. We filed an appeal and they said no it's not dermatological its secondary infection to her Demodex. They are usually good at paying claims fast so I know when there is a problem. It stays pending for a week or so. I have to call embrace and they always say. "We are waiting for doctors notes" I always say I have them and I submit them since the specialist is slow to get back to them. Would a courtesy email hurt to keep a customer up to date. Especially since I had the documents they needed every time!!! Then I get the same determination partially covered. Partially not due to dermatologivsl condition. For literally the same problem, same tests, and same medication the appeals adjuster approved, and other claims have been approved. As a customer I can not request a redetermination. The provider has to write something. Today was literally the 4th time this has happened. It is very annoying that they are an insurance company. How can they not review previous claims for the same exact thing that were paid and previous appeals that overturned the same exact wording they are using. Needles to say I think they need a better system or way to review cases that have a chronic condition. This I find is very poor claim management on their part. Luckily the condition has finally almost cleared and hopefully will not have to deal with so many claims soon. To me there is no reason to cover and antibiotic and the first refill but not the second refill. I give them a low rating based on the poor management of processing claims for chronic conditions. Also they should notify customer when they need more info not just the doctor.

I really wish human health insurance claims were as easy and quick as Embrace Pet Insurance! You always get to speak to a real person who answers the phone! We have an expensive accident prone dog who ate a soft/stuffed snowman toy and then broke a toe - Neither were cheap vet visits. Thank You Embrace for your fast turnaround on payment. I totally recommend you to friends.