Embrace | Pet Insurance Review

This was my first claim in the nearly 2 years I have been with Embrace. It seemed as though the people I spoke with didn't really know what was going on with my claim. The website provided little information other than Embrace was waiting for additional information. However, when I spoke with one of the representatives, I was told the additional information had already been received and they would be processing my claim. That did not happen until my last call when I asked to speak with a manager and she made sure it got done. Thank you Jessica. I like to give people a second chance which is why I would recommend Embrace. Hopefully, I won't have another reason to file a claim, but if I do, I hope they will be a bit more responsive and resolve issues quickly.

Help, kind and very supportive.

It's super easy to submit your claim and documentation to Embrace. Within a day, my claim was reimbursed and the direct deposit sent to cover my costs. I didn't realize grooming costs are covered by Mango's wellness plan. After a brief phone call last month when my policy renew, I realized this was a great benefit.

We have house cats age 2-12 yrs. This current claim was for Fudge (3yr old male cat). Wellness type claim for physical and shots. Cost $130. Remaining wellness amount $120. Reimbursed up to max allowed, as expected... No surprises. We have had this insurance for over 2 years. We learned about them via USAA insurance, and they have worked well. Insurance coverage per cat is deductible then 80% coverage, Rx included. Wellness baseline cost approx. $250 per cat covers annual exam, shots and monthly flea etc Rx. Wellness portion gets reimbursed. Insurance part is cost effective investment. Work with Embrace to get INITIAL preexisting conditions documented per cat during first 1-2 years. And realize annual plan costs increase as pets age increase. Bottom line - cost effective, and they work with you. And try to submit separate claims for wellness vs insurance. All submittals need itemized invoice, but no required doctor signoff for Wellness. I will continue to use them.

Embrace is always reliable with respect to claims. Their customer service reps are quick to answer questions and provide clear answers. I have been very happy with my plan for the past couple years. Thank you Embrace!