Embrace | Pet Insurance Review

Wait until next year English Bulldog. They were great in the beginning but when your insurance renews they might denied your claims. Citing that it's a preexisting condition.I am so upset with the service lately that I'm thinking about canceling but our cat is getting older. Every time I submit a claim it's denied because of a preexisting condition (grass allergy). We tore out our grass and put in pet friendly fake grass and our poor puppy's still itchy. She's on expensive prescription food and on a medicine called Apoquil now. She is doing great for the first time in 2 years. Of course, that vet diagnoses and Med claim was denied. They even denied a claim when she was stung by a bee and went into anaphylaxtic shock. Stating it was because of her grass allergy. They have been wonderful up until this year. Whats up Embrace?

Embrace was wonderful in dealing with my claim. I was impressed by the ease of submitting the claim and the almost instant follow-up that I received letting me know the status of my claim. Both the excellent communication and user friendly website make the process simple. Being in the medical profession myself and dealing with insurance companies on a regular basis I can honestly say you will never find a human insurance company (and possible pet insurance company) as helpful as Embrace!

I have an added wellness plan for my cat, Buddy. Embrace has always been courteous and prompt in approval and reimbursement. It's been that way for the almost three years that we've had Buddy. What more could I ask for? Great company.

We've been dealing with a serious, chronic condition for the last year and Embrace's handling of the claims could not be easier!! For example, another routine cancer check resulted in a very large bill on a Friday. The hospital submitted the bill to Embrace later that day and I had the EOB the following Friday. All covered. No questions asked. And this was over a holiday weekend too! I can't thank Embrace enough for giving me one less thing to worry about so I can put that extra worry towards my dog :)

My dog was diagnosed with severe osteoarthritis in both shoulders and bony growths in his left shoulder. Even though he was past the six-month orthopedic waiting period, I am glad that I chose to make an appointment and have my vet fill out the Orthopedic Report Card (decreases wait period to two weeks), because this is a chronic and lifetime condition. I would have really been kicking myself if I did not, because he is only seven years old, I would never have guessed he would get such severe arthritis so young. I say be safe and do the report card. Filing this claim was really confusing to me, because the suspected problem turned out not to be the problem after the radiographs were read by a professional. Do I submit the claim form for the suspected diagnosis plus the one for the final diagnosis? (No) I went back just for a medication refill, does the vet have to fill out a claim form every time I need meds? (No, but a claim form is still needed). I decided to call Embrace about this. The CSR was SO helpful and when I had questions related to the illness coverage, she checked with a claims adjuster before answering, she wanted to be 100% sure. I really appreciated that. Uploading the claims on the website is how I chose to submit my documents. Super easy, easy instructions, simple and fast to do. I give high marks to Embrace Pet Insurance.