Embrace | Pet Insurance Review

I’ve been an embrace customer for years. When I’ve submitted claims that we’re not covered, the response was quick and done in a timely matter. The latest claims, which we feel were perfectly in line with our coverage, and should hav been accepted are now still being questioned, 3 months after submitting. We’ve been on the phone numerous times, on hold for hours, and only to hear simple complaints that we expect an insurance company to be able to perform themselves. They claim that our vet has not given them all the info they need, but when we talk to the vet it’s a different story. At first we thought it was the Vet’s fault, but having gone to multiple vets, we are now seeing the same excuse. I warn you not to purchase this pet insurance policy, as poor business practice should not be rewarded.

The team was extremely sensitive to our situation and handled it with care. The claims process was hassle-free that further dampened the effects of dealing with issues with filing our claims, of thousands of dollars. Having pet insurance at hand, even though we didn't anticipate any issues with our four-legged family member this early in his life cycle, was one of the most sensible things that we could have done. Embrace handled our claims with class and we truly believe that they are possibly the best in what they do. THANK YOU!!!

Buyer Beware!!! We got a service dog and thought that it would be helpful to get insurance for him since he does so much for me. We also got the wellness policy for him. We knew he was allergic to chicken, but soon found out that turkey was much worse when we had to pay $1,500 for an emergency vet. When we filed the claim, they paid very little of it because when he was a puppy he had worms from the breeder. They said that because he had diarrhea from the worms then it was too soon to pay a claim for his diarrhea for his allergic reaction to the turkey, even though it was a totally unrelated issue. We've had so many issues with them not paying our claims, and kicking back our wellness claims (even though they said we could buy vitamins at a pet store) because the vet needed to add more notes to their already clearly written receipt. We never received a discount for multiple pets since we added our second dog as soon as we got her a few months after my first service dog. We cancelled our policy after four years because they constantly increased the rates each year by a significant amount despite never paying a claim, and the dogs are now only four years old. They will live to be about 10-15 years old since they are Doberman Pinchers. We just got an email stating that they "inadvertently" charged us for another month of coverage even though we cancelled, along with 67 other people who also cancelled that month. They can't even keep their records straight after we dump them!

My cats have been insured with Embrace for 3 years. Unfortunately one of my cats developed lymphoma. Embrace processed every single claim in a timely manner always enclosing a detailed EOB and a personal note. My other cat Jasper without warning collapsed and it turned out he had an inoperable mass and had to be put down. The diagnostics and hospital bill was steep and Embrace quickly processed the claim and the adjuster enclosed a warm note of condolence which touched our family. A great company with fair rates.

Great company to deal with, I’ve had others but Embrace is far the best