Embrace | Pet Insurance Review

I’m basing this rating solely off the interaction I had with the service rep. I had to call and ask about two claims that had been placed on hold due to “lack of notes”. I’ve noticed they like to do that regardless of the info they have. I spoke to our DVM and he had notes front and back. After talking to this rep in particular I had to explain that I got meds to get one of my pups through the fireworks. I didn’t have an appt and didn’t need to have him seen because I’ve been going to the same place with the same DVM for years. They know our babies. So long story short… thanks to her both of our claims were taken off hold and one has been completed. We’re still waiting on word for the other claim… EVEN though it’s for a new diagnosis. So we pay the bill of course but are depending on the money to be reimbursed and they seem to be very slow when it comes to having to cover something… so that’s super frustrating and unacceptable. But like I said this rating is based SOLELY on the rep I spoke to in this situation who took initiative and got the claims rolling again. I appreciate her. She was professional, incredibly sweet and knew exactly what she was doing. No wasting of our time. I wish I remembered her name. The customer service people are absolutely out of this world so far. It’s actually nice dealing with them.

The claim process was really easy. I had multiple claims to file so I did it at one sitting. Very simple and straight forward. Whew!!

Jessie helped me with no problem good service thanks

I took my dog in for his yearly checkup and the cost for shots etc was $394.00. I had the wellness benefit so assumed Embrace would cover minus the deductible. My claim was denied because the service was on July 11, 2025 and the policy renewal wasn’t until 10 days later. I have been payjng my policy premiums monthly since the inception of my policy. I called Customer Service and was told because the service was before the renewal date that I had met my Wellness Benefit and would not receive my benefit.

It was very easy to sign up! I have not needed to use yet but if I do I hope it goes smoothly!