Embrace | Pet Insurance Review

This was the 1st time I filed a claim and I'm very satisfied. Took almost 3 months because my vet had not submitted the information of the 12 months prior to insuring my pet in a timely basis but in the end I received the refund I was entitled to. Had occasion to speak with the staff and I'm pleased to say they were all courteous, informative and attentive.

My labradoodle is 7 1/2 yrs old. And his premium doubled in price from last year to this year. Not very happy. Called Embrace and explained to them that this is a lot. They said because claims by everyone is being filed that we all take the hit. Not right. My other labradoodle uses another company. Premium is cheaper and her coverage is better than my dog on Embrace. There should be rules or laws about taking pet owners to the cleaners because others are filing claims. Why should I pay because of that. Won’t use them for any other pet because of this reason.

WhIle Embrace in general has been a decent insurance, a recent interaction has lowered my opinion. I was disputing the lack of coverage for a medical test. It was argued that the test was not covered due to pre-existing. However, the test in question can be used for several conditions, not just the one they are not covering. The agent continued to argue with me that it was not covered because of the pre-existing condition. I even asked if it would help if my vet provided more details as to why the test was run. The agent just continued to argue with me. Several emails later, he FINALLY offered a way to appeal. That offer should have been made when I first asked about providing additional information. Very poor interaction and bad customer service. Not what I have come to expect for Embrace.

The claims process is super easy to complete. It is so easy, that my wife has entrusted this process to me and me alone. Thanks Embrace...I think. lol

Great customer service. Reasonable coverage cost and the claims process is so easy!