Embrace | Pet Insurance Review

Embrace has been so reliable. My cat has been extremely sick. Instead of worrying about how I am going to pay for his treatment, embrace has been there for me every step of the way. Thank you!

Prompt confirmation of claim. Clear explanation of benefits. Nice summary of account status.

Overall, I am extremely satisfied with Embrace. They take the time to explain things, even when I was frustrated. There was some minor misunderstanding in the beginning about when they would conduct the health review, but I think I was asking more than most people do at the moment. The claims have been processed rather quickly and the checks are good. I am a little disappointed in one of the "pre-existing" conditions because a vet I went to once diagnosed without testing and therefore the only way to appeal that (which I am thankful there is a way) is to get the vet to write a letter that says the previous diagnosis isn't correct. I will have to get my new vet to do this, because even though the orthopedic report card showed no signs of arthritis, the vet that wrote it in the notes was enough to cause concern for the insurance company. I appreciate that they review the notes and explain it all, but I wish I didn't have to jump through a hoop when the records clearly show no testing or imaging was performed to confirm arthritis.The other downfall would be that the vet has to fill out the form every claim. I think my office staff wasn't thrilled about that, but thankfully the form is quick and concise. Otherwise, honestly, it really is better than expected. I really worried they would give a reason as why not to process the claim, but they didn't. And, they even keep you updated along the way and give you all the resources to submit claims and check statuses. Thank you!

Incredibly easy claims to submit with very quick reimbursement!! I highly recommend this company!!

I was skeptical about needing pet insurance but I'm glad that I purchased insurance with Embrace. Our 7-month old Golden Retriever has had several overnight visits at the animal hospital and Embrace promptly settled each claim. Hopefully she grows out of this puppy phase of eating everything in sight but until then we're very pleased with Embrace's coverage and the simplicity of completing claims.