Embrace | Pet Insurance Review

I am not sure why they do this but, my dog punctured his front leg and had a patch of skin hanging. Vet did sutures and before covering the surgery Embrace required all medical records from all vets he may have seen. This I can understand. However, my pup broke open his wound requiring an additional two surgeries and again, embrace is requiring all medical records from all current and prior vets. They already have this information. Why are they making me wait for reimbursement? Do I have the option of paying them only when I know that they will cover a procedure? No. So review your records and reimburse me. This is why I have insurance because sometimes life happens.

The process of submitting a claim was easy, especially with multiple claims. The site response during claim submittal was great, no problems entering the information or attaching the invoice files.

Very satisfied. The claims are handled quickly and efficiently.

Over the 12.5 years I was lucky to have my Monte, a yellow lab, Embrace covered him, from surgeries to repair ruptured cruciate ligaments (both knees, one year after the other) to renal issues, benign but in-the-way fatty tumors, and a thyroid condition. In all cases, Embrace helped me never think twice to get Monte the treatment he needed to live the full and wonderfully active life he did. Their service is easy to access, staff always helpful and knowledgable, and claims are paid quickly. Great service overall.

The process is easy to follow. They have always made fair decisions based on the policy I selected. I think I am on year #2!