Embrace | Pet Insurance Review

My 10 year old, Husky/Great Pyrenees has needed care at a specialty clinic three times. It is not cheap but has been well worth it and given us more years with our much loved girl. Embrace has paid our claims promptly and given us the peace of mind to follow the best course of treatment.

I have had Embrace Insurance for my Pomeranian since he was 10 weeks old. He is now 9 years old. The claims are easy to complete and reimbursement is quick. Granted premiums increase as your pet ages, but that is expected since more illness occur with age. That being said, it is nice to be able to get all or most of the vet costs reimbursed. I have been very happy with the customer service and the monthly newsletters I get from them on how to keep my pet healthy.

Our GSMD had several lumps appear on her torso. After having them aspirated it revealed mast cell tumors. We immediately had the tumors removed and went to the oncologist for electro-chemotherapy. I called Embrace after the positive test results and they confirmed everything would be covered, and that's exactly what happened. The app makes it very easy to submit claims, and the payment turnaround beat the credit card bill. We purchased pet insurance for just this sort of situation and Embrace came through - thank you!

My cat has been relatively healthy during her nearly 15 years, but recently she got the Big C diagnosis. Embrace has covered my claims quickly without any hassle. Keep in mind they will not cover pre-existing conditions or routine procedures like vaccines or yearly exams. It's only for the "big" stuff and we have sadly reached that time. We are optimistic that my cat will recover, but there's no way I could have afforded her surgery if it had not been for Embrace. They get the claims reviewed quickly (within about 5-7 business days) and the reimbursement shows up in your bank account about 2 days after that. The claim forms are really simple; you just need to fill it out and submit your invoice from the vet, then they take it from there.

I've been a customer of Embrace since 2018. I have two pets covered, my 2 year-old Belgian Malinois dog and my 1 year-old Maine Coon cat. My experience has been that I have to review the explanation of benefits when Embrace processes claims and here's why: 1. I processed a $819.12 claim for my cat's gingivitis with gingivectomy and dental extractions. Because I have the $650 wellness rewards, what the claims adjustor did was use up all my wellness rewards and the rest she covered under the dental illness. The problem with that is that it effectively takes away my wellness rewards that I use for the cat's grooming, shots, and other annual veterinary visits instead of reducing the $1,000 a year dental illness coverage. So, I lose my wellness rewards (which is not really free as it is a reimbursement plan that's paid in full over a 12-month policy term; in other words, you pay dollar for dollar for this "benefit."). Put a different way, the way the claim was processed, actually benefits Embrace as they did not have to cover the claim under the additional and completely separate coverage of dental illness and they no longer have to reimburse actual wellness rewards claims because they have been exhausted. They told me they do this as a general guideline to maximize the reimbursement for the customer, but in reality this is false advertisement and a blatantly unethical business practice because this doesn't really do the customer any favors. When I called them out on this, they re-processed my claim, but instead of breaking out 21 line items in the $819.12 invoice, they reduced it to 10 and processed it as a $446.50 claim. I've requested another review of this claim, but decided to write this before getting a response from them about my last request as it is clear to me that this isn't a mistake; it is an attempt to save costs at my expense. 2. I processed a $1,699.25 pre-certification for my dog for a broken tooth and while the pre-certification covered the claim, it broke things out as follows: $106.00 from wellness rewards to cover the post procedural dental cleaning/polishing; $103.00 from dental illness to cover the required anesthesia for the procedure; and the rest from the accident coverage. Now, this is an accidental complex upper canine fracture and it is not appropriate to mix/match coverage as anything included in the estimate should be covered under the accident coverage. Granted, this is a pre-certification from an estimate and not an actual processed claim, but the trend is consistent with point number one above. On a positive note, they do provide excellent and courteous customer service.