Embrace | Pet Insurance Review

This is the first time using pet insurance & submitting a claim. I found the "claim" process straightforward after first making sure the pet's invoice had been scanned into computer. However, did have questions as to what to put for "diagnosis" so did contact my veterinarian's office for asssistance/clarity since the invoice does not have "diagnosis" listed. I find the constant e-mails (AI generated?) to be a form of harassment/intimidation as if I am a bad person to adopt or have elderly animals. Further, constantly reminding me about "pre-existing conditions" in many of those of e-mails makes me think Embrace Pet Insurance only cares about collecting their fees, etc. and NOT the pets' care and health. I believe Embrace can and should be expected to act in a more professional manner towards new customers/subscribers. In short, less intimidating e-mails disguised as informative until after first claim is submitted by pet owner would be appreciated. Embrace can always be more "informative" after initial claim processing.

I've had a great experience with Embrace. I have a 2-1/2 year old Corgi and covered her from 6 weeks of age. During her first year, she had some very expensive illnesses, two of which required hospitalization. Embrace paid my claims fully and promptly. I also had Embrace on my Sheltie before her. When I lost him at 13, I compared money spent on premiums vs money received for claims, and I came out a little ahead on dollars, not to mention the peace of mind of knowing I could give him whatever he needed. I HIGHLY recommend Embrace.

Easy, straightforward submittal process.

Filed a claim on June 26, 2025 for vet visit on June 25th. After multiple notes to the vet and myself sending detailed notes still no answer from claims. I called last week and was promised swift process and still nothing. I pay big $$ for an 8 year old cat and the vet visit was under $300.00. I will give them until Friday, 5 weeks post filing claim and if no decision I will file a BBB and Elderly fraud alert. Our vet recommended Embrace so I will let them know the outcome.

Getting signed up was easy. Submitting the claim was also very easy. They only way if would be better was if the Embrace was internally connected to the Vets office's system, so that claims were automatically submitted. All said. Very easy online interface.