Embrace | Pet Insurance Review

This review is after my first claim experience with Embrace. First I called Embrace customer service and they reviewed the process of submitting claims with me. I later received email follow-ups updating me as to the progress of the claim. I found the Embrace website portal for claims submission very easy to use. The process was very easy and followed the instructions on the website and in the policy. After reviewing my claim, it was denied. The information in the correspondence from Embrace clearly stated why the claim was denied. I had taken the necessary steps to provide the baseline documentation to Embrace when I became a customer. I found in the policy that I could appeal a claim denial. Because of the explanation in the initial claim denial, I was able to determine exactly what Embrace needed that what missing in order to support my claim. I obtained the documentation needed from our vet and submitted it to Embrace for re-evaluation of my claim. The policy states Embrace has 2 weeks to review an appeal. I was pleasantly surprised that they reviewed the supplemental documentation I provided within 24 hours, reversed the denial and covered my dog's injury exactly as per the policy I purchased. I have been around the block a few times and know that insurance companies must be careful to avoid fraud in order to keep premiums low. The dialog with Embrace was very professional. Based on my experience, I recommend Embrace for pet insurance.

I love Embrace! I have researched several companies and Embrace has the best coverage at the best rate. Claims are super easy to do and they pay within two weeks!

I am extremely disappointed in how Embrace handles my dog's claims. They claim everything is related to a pre-existing condition when it is not. I would not recommend this company to anyone!

We found a bump on our Dog Daisy, went to the Vet's and found that Daisy had a MASS/Tumor. Embrace Insurance covered about all the expenses, from the post-surgery all the way through to the post-surgery. No question our run around, once all the claims were submitted, it took Embrace only a few days to reimburse me about 95% of all the surgery’s cost. I would not know what I would have done or how I would have covered the cost if it was not for Embrace Insurance.

I have had Embrace Pet Insurance since 2011 and I have never been disappointed by them. They process claims quickly, pay quickly, directly into my bank account and I know exactly what is covered and what is not covered. It is easy to submit claims and easy to check on the status of claims online. They even contact my vet directly, if they have any questions. They are amazing!