Embrace | Pet Insurance Review

We have had Embrace pet insurance for two years. The first year Joey developed a seizure disorder and once I hit my deductible I received my reimbursements very quickly. This year he had surgery on his tail and an allergy flare-up, and once again, our claims were quickly settled. It's easy to file a claim online by uploading your paperwork and in less than 10 days we typically have payment to our checking account. We are very, very happy with their services.

Thank you for being such an awesome insurance company. I'm glad I researched so much because my policy is awesome and prevented me from being broke or having to put my dog down. She's had an autoimmune disorder for 2 years but is holding steady thanks to expensive treatments and ongoing testing!

Very pleased, and great service

I am very pleased by the timely response I have received.It a great feeling knowing if my pet has a accident I can afford to give her the care she needs. Thanks again!

Over the course of our time with Embrace, the customer service is inconsistent to say the least. The claims either go through without a problem, or we get notified that our claims are on hold because we haven't sent the right information after "multiple attempts" to contact us. By "multiple attempts" they mean we got an email saying they got our documents (standard), we got ONE EMAIL TWO WEEKS LATER saying they needed more information, then another email hours after the email requesting more information that our claim was on hold. First, this is unprofessional that it would take over two weeks for the company to notify us they need more information (and the email itself contained no letter head and looked as if someone just typed three sentences and mailed it just to say it was indeed mailed). Second, it is BAD CUSTOMER SERVICE to give us NO TIME to get those documents to you before we are notified that a claim is on hold. To add insult to injury, the claim is listed as "UNAVAILABLE" in the portal, so we couldn't even check the status of it in our account. The whole situation was handled badly and we, the loyal customer who continues to pay premiums on time and is still treated horribly like this, are left dealing with a sizable claim still not processed due to Embrace's incompetence. Improvements in claim processing to let us know if there was a problem with our documents within the 2-3 day window (the normal time to process a claim) need to be made. Additionally, customer service could improve their relations by ACTUALLY contacting us more than 5 hours before our claim is put on hold. Lastly, our claim should be expedited through the processing procedure to get us our money back as soon as possible since the mistake was on Embrace's behalf, however we have learned not to expect that level of service and consideration from Embrace, which is a shame.