Embrace | Pet Insurance Review

Kibo, my young chocolate lab, just turned two years old last week. He has chronic Kidney disease and now needs daily subcutaneous fluids which I have begun to do myself. Kibo is doing fine on this long term requirement and still active. The processing time of my claims from June & July have been reasonable based on their implementation of new software. I appreciate their genuine concern.

When I applied for coverage my puppy was 3 and 1/2 months old. Embrace wanted me to get an orthopedic exam, and then they would wave the 6 mo. waiting period. My vet advised against this saying very young puppies can exhibit as if there was a joint problem because their joints, ligaments etc. are much looser than an older dog and can present as a problem when there actually is none. For this reason I didn't get the exam. A month before the end of the waiting period, my dog fell and bruised a muscle in her neck, which was diagnosed as a soft tissue injury. This was not a pre-existing condition, but because Embrace defines Orthopedic as including muscles, cartilage, tendons, ligaments and joints they denied the claim. As far as I'm concerned they set you up to deny claims based on their definition of orthopedic . I was under the impression that would mean bones. Also although this claim was filed in May, I heard nothing from them until the beginning of July. Every week I would get an excuse, We're working on your claim. This isn't like Embrace." This has happened with every claim. I have a claim for an ear infection predating the soft tissue injury that I still haven't heard about. My vet had told me she heard this was good insurance. She now knows it isn't. I would not recommend it to anyone.

My cat had an upper respiratory infection that required four trips to the vet and several medications. Embrace processed and paid my claims right after they were submitted. Communication with me during the process and follow-up after the claim was paid was excellent

Embrace kept me informed all along the way of the status of my claim and it was handled in an easy, timely manner.

Embrace has been very quick to acknowledge claims and to let me know where my claims are in the process. The staff is very courteous and seems quite competent. I would definitely recommend them to other pet owners.