Embrace | Pet Insurance Review

Submitting our claim form was easy. I followed my claim on the Embrace claim site. This was my first submittal so I was not sure what to expect. Since it was our first claim, Dusty's whole health history had to be reviewed. Even so, payment of our claim was made efficiently within 30 days. We are pleased that the whole process was efficient and not complicated.

I ve had had Embrace for all of my 4 kitties for over 7 years now. It was the best choice and a life saver one. Two of them have been dealing with serious health issues in the last couple of years ( cancer and kidney failure ). They wouldn't be alive today if we didnt have the best treatments . And we were able to offer them the best care only because we had insurance. Never had any issues with Embrace reimbursing the costs. Their coverage is excellent and the rates are very reasonable. The entire claim process is simple and very smooth and the payments are made quickly. Also, very friendly and knowledgeable customer service. THANK YOU !!!

We paid for insurance for over two years and they made excuses not to pay for any of our claims. We finally had to cancel when they increased our premiums once again without any benefit. My dog had to get xrays and medication, he got cancer one year after we got insurance and all our claims were continuously rejected.

I remain very impressed over several years with Embrace Pet Insurance. It is an honest, straight forward company. You get exactly the coverage you elect.---- My one criticism: It was not clearly explained to me any changes to increase coverage or reduce deductible to an existing policy initiates a completely new underwriting process. All prior medical issues would then be considered "pre-existing" and not covered by the new policy. -----If I had better understood, I would have initially elected the highest coverage and lowest deductible offered.

Embrace customer service has been helpful, but like with any insurance company they make you jump through hoops to get things covered. They require an orthopedic exam within the first few months of your plan, otherwise your pet is not covered for muscle-related issues (in our case, a rambunctious puppy that was fine within a week but we had checked out JUST in case). When I mentioned this orthopedic exam to my vet they made it sound like that was completely ridiculous - that exam requires a specialty office. I have their full plan - the regular insurance and wellness. Submitting a claim is easy, you have to log in to see any details (sometimes they'll email to let you know when info is available, but you have to log on to the portal), adding documentation to an existing claim is REALLY clunky. They haven't figured this out yet - you can't attach to a specific claim and have no idea if a claim they closed, requiring additional info, is being reopened with new documentation. It just isn't a great process. All in all, we got this coverage for our dog's first year as a puppy, but I'm not convinced pet insurance is truly worth it. Using their wellness program for the year, I'm only saving myself ~$60 (vs paying out of pocket), but if I didnt have this I'd save myself the hassle of submitting claims and arguing with them about whether something should be covered or not. This is why I'm saying 'no, I dont recommend this company'