Embrace | Pet Insurance Review

Only insurance I’ve ever had with no issues with getting claims paid. Easy, no fuss.

Great response on any and all claims and concerns.

I submitted my first two claims ever with Embrace and had a terrible customer experience. The mere act of submitting was confusing in and of itself. After I searched the website to find a claim form that is required with every submission, I had to utilize the chat system because the form is confusion - does not provide clear direction. It uses words like "my pet" which made me think the form must be filled out by the pet owner, but, after chatting, I learned that it must be filled out by the vet. So, my vet fills out and submits the forms. I ask about status after a week or so and so they called Embrace. They said that Embrace said they needed more information, when, in fact, they did not. Apparently this is a go-to statement because they assume receiving incomplete work. I learned that they *did* need more information but from another vet (the 24/7 emergency vet) and they took their good old time getting the paperwork from them. I had been waiting for over a month. If they cared about customer service, they would have nagged at the emergency vet until they received the paperwork because I'm Embrace's client and they should want to provide for their clients. When reached out to Embrace demanding a status update, I got the backhanded apology where they cited their policy to me. I realize you have a policy to follow for first-time claims but your lack of urgency created a very frustrating experience for me. I wasn't informed with progress updates and had to reach out to my vet several times. Thank goodness for the vet who did a lot of the work coordinating. One month and 15 days later, I received partial payment. Now I'm stuck with Embrace because my cat now has a pre-existing condition. I HIGHLY RECOMMEND AGAINST USING EMBRACE!

After weeks of research, I am so happy i went with embrace. The thing that set them apart is that they have a wellness plan option! They were very patient with me and all of my questions. I used my wellness plan the same day as i signed up and they have already reimbursed me 4 days later. They are absolutely amazing and I am so happy with my decision. I am able to sleep better at night knowing my baby girl is covered if she ever gets hurt or gets sick. Thank you Embrace!

Our cat Cindy has never been sick a day in her life until this month when she inexplicably stopped eating and all activity and just slept for about a week. We took her in and while we are extremely relieved that the medications and tests ran have made her her old self again, we got major sticker shock of how much we had to pay upfront for her treatment. I’m so relieved we had Embrace Pet Insurance. Knowing we were covered made it a less stressful time, knowing that we could pay what we needed to get her better without breaking the bank. It probably saved her life. My only issue was that during the process of getting our claims validated, the system said that there was no diagnosis listed on the claims form and they reached out to our vet, which my vet verified they did not; so my vet had to fax over the info and while two of the claims were processed almost right away, I had to email to re-examine the third because it still came up as needing a diagnosis to move forward when the diagnosis when now listed. But once it got reopened it was verified and settled the same day. Thank you Embrace!