Embrace | Pet Insurance Review

Our 12 year old Chihuahua Jake was referred to a specialty veterinary hospital this year after a heart murmur and elevated kidney values were found during his annual exam. He had a number of tests including an ultrasound, echocardiogram and advanced blood work and was diagnosed with both heart and kidney disease. He also had an emergency visit during this time due to a reaction to a medication. Embrace handled all the claims quickly and covered the expenses without question. The deductible was also reduced since Jake had no prior claims. Whenever we have dealt with the customer service team, they have been efficient and very pleasant to deal with. We highly recommend Embrace!

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!