Embrace | Pet Insurance Review

Love this Embrace Insurance, it took me a while to get the hang of it but in my defense I'm 70 and out of the loop with social media and computer tech! But I have figured it out I believe ... I have missed out on 2 claims because I couldn't figure out how to work the site.... oh well , live and learn thanks Best..., Annie Colturi PS:Love Johnny Too he's great gets right back to me

I love Embrace Pet Insurance. It’s easy to file a claim and I’m paid promptly.

I’ve carried insurance on two dogs for the span of almost their lifetimes. One pup I dropped insurance at age 8, the other kept until she passed (more active dog). When my pup was diagnosed with lymphoma, I thought I’d be happy to have the insurance. I was reimbursed for 1/4 of what was I spent. Cancer meds not being covered, consult fees not being covered. I’m really wondering now if the thousands I spent on pet insurance was ever really worth it.

Awful company …. Stay away 😥 My 6 year old golden doodle was just operated due to a mass on his shoulder area . The claim was partially denied ,because of a pre-existing condition. The pre existing condition was an allergic reaction in his paws . It causes him to lick his paws during certain times of the year . I followed all recommendations from embrace . On their recommendation, I sent an estimate of what the procedure would cost . I was approved an estimate of $1900 for a $2300 procedure. Nothing changed on the day of his procedure, except it was less extensive as planned. The actual procedure was just shy of $1000( my Vet , tends to be more on the cautious side regarding estimating costs ). I was just awarded a claim in the approximate amount of $250 for a $1000 procedure. There were actually 2 masses removed , both were identified as an abnormal growth ( nothing related to allergies ). Thank God they were benign. When you do the math , 1900/2300=0.826 . I followed their procedures ( the estimate included all pertinent information). I was expecting approximately 82% of the amount expected to pay . 250/1000=0.25. Due to my Vet being cautious on the high side , the actual amount came in less than planned . I only received approximately 25% . I never received any phone calls explaining why ! Shame on Embrace ! I’ll start my agenda by reporting this to the BBB .

I am so glad that I selected Embrace for my insurance provider for my pets. They are easy to work with and so prompt when you have a claim. Thanks to everyone that works there it is appreciated.