Embrace | Pet Insurance Review

This is the fourth different pet insurance company I have been with over the years, for different pets and in different states. Embrace is by far the easiest to use. The patient portal is very intuitive. And they also have been the easiest to communicate with by FAR. Any and all questions get a personal and detailed response. Their rather broad interpretation of what constitutes a "previously existing condition" is disappointing. But they were very up front about it, and sent a detailed explanation of what would be excluded in advance (with opportunity to appeal for further review). There have been no hidden "surprises" like too many other insurers spring on pet owners. On the whole, I'm glad we are with them.

I've had a few larger claims and I've had issues where they say they need more information. The first time they said the medication didn't explain the reason I brought the dog in, even though the form clearly stated she was there for 2 issues. Now they won't fill a second claim for a tumor removal and I have emailed asking to tell me why and I don't get specifics. Additionally they keep saying they have tried to contact both me and my vets office without success, but I have received zero emails or calls regarding the claim and my vet's office also did not receive anything. This is after I have submitted all the paperwork and receipt from the vets office and the claim form with notes from the vet. I have asked them to contact my vet directly at his email and to cc me as well, but then i just get the same generic email that they have attempted to reach the vet unsuccessfully. It makes it very difficult to trust the company.

I can't say enough about Embrace Insurance. I was upset when I got the vet bill for Heidi, my dachshund, but Embrace came through and Heidi is doing great! Can't thank you enough. I already gave two of your pamphlets out to my coworkers.

I have had this insurance for about 5 years for my Great Dane. I never used it til recently. The claim was paid in a timely manner.

I have had Embrace for our dog for a number of years now. Overall, the process has been good. I feel that submitting the info to them for reimbursement to be a little trying though. If the clinic you have isn't willing to login, print out forms and fill out their brief part, it is impossible. Conversely, if the front desk staff are incompetent, or if their fax doesn't go through despite getting confirmation that it did (they are archaic after all), you have to wait and stay on top of them to get the paperwork into them. Embrace makes it sound easier than it is to be reimbursed. Having said that, once they receive the required info, the process is quick and coverage good. I also wasn't aware (fine print perhaps?) that the price for your pet to be insured goes up A LOT over the years. I found out the hard way. But after much research beforehand, I still think they are one of the very few, good pet insurers around.