Embrace | Pet Insurance Review

Unfortunately, I have had a series with poor experiences with Embrace so far, though I was initially enthusiastic about what they had to offer. My pets do have pre-existing conditions, but the extent of which Embrace has defined that is unbelievable. My cat that was tentatively (not definitively) diagnosed with IBD to explain a single bout of vomiting, whom had had few incidents with vomiting in the past, was defined as not covered not only for IBD, but for "vomiting" as a PERMANENT condition. Vomiting is not a pre-existing condition, it is a symptom, and I am shocked that Embrace is treating it as the former (I can understand the IBD even though my vet had noted at the time that she wasn't sure my cat had that at all). If a pet is sick, nine times out of ten, something is either coming out one end of the other, and to exclude any and all conditions that include vomiting as a symptom is the most ridiculous thing I've ever heard of. Embrace did eventually agree to cover one of my cat's surgeries after receiving additional information from my vet re-explaining that she had suffered from an intestinal obstruction (even though this was also explained in the extensive medical notes sent to Embrace at the time of the incident). I was grateful for this, because at the time, it was the only thing I had to show for the $70+/month I was paying for insurance coverage that I wasn't receiving on any of my claims. However, following that, every claim that comes through for my cat has required varying amounts of hoop-jumping on the part of myself or my veterinarian. Her post-surgery follow up visits were not initially covered citing "no coverage for pre-existing condition of IBD", even though the surgery had nothing to do with IBD or anything related. I was eventually able to get all this resolved by talking to Alissa T, who took the time to not only re-review the most recent claim I was having to dispute, but to go back and look at all the others too after giving me her direct contact info in the case of any more mishaps. She was very helpful and has thus far been the only representative I've spoken to who has been truly responsive and easy to work with (I've had a couple of incidents where I have sent emails to the claims department with questions or concerns and they have just never been responded to). I have heard good things about Embrace and I hope that I can see these things in action moving forward, as I think that (were I not experiencing all the is

Embrace has saved us so much money, from frequent visits, medicine, and surgerys. All in which, are reimbursable and only takes a couple days before our funds are back in our account. Thank you Embrace for your quick professional coustomer service!

This was my first claim with Embrace. I could be more satisfied with the updates, and settlement, I received.

I submitted my first claim to Embrace about a week ago and I just received my payment.I am very happy so far

I'm a new Embrace customer. I opted for accident/illness plus routine care. I had really positive experiences so far with reimbursement for routine care items. No experience with accident/illness to date. I submitted claims for grooming (nail grind) as well as some preventative vaccines at the vet. Submitting for routine items is REALLY easy, just check the "routine" box in the form and upload it with your itemized receipt. The claim was reviewed and completed within a week, and checks are in the mail.