Embrace | Pet Insurance Review

I got pet insurance when we got our pug puppy. She has been insured for like 9 or so months and she just turned 1. She has seen the vet many times. Took a little while to diagnose her with Demodex. She has been treated for this problem for 7 months now. The first day we had her we took her to be checked out by our vet. She had yeast in her ears so they now find any dermatological condition pre existing based on that. And that is fine with me. I understand how insurance works. One of our claims got partially denied because they felt part of her problem was dermatological. We filed an appeal and they said no it's not dermatological its secondary infection to her Demodex. They are usually good at paying claims fast so I know when there is a problem. It stays pending for a week or so. I have to call embrace and they always say. "We are waiting for doctors notes" I always say I have them and I submit them since the specialist is slow to get back to them. Would a courtesy email hurt to keep a customer up to date. Especially since I had the documents they needed every time!!! Then I get the same determination partially covered. Partially not due to dermatologivsl condition. For literally the same problem, same tests, and same medication the appeals adjuster approved, and other claims have been approved. As a customer I can not request a redetermination. The provider has to write something. Today was literally the 4th time this has happened. It is very annoying that they are an insurance company. How can they not review previous claims for the same exact thing that were paid and previous appeals that overturned the same exact wording they are using. Needles to say I think they need a better system or way to review cases that have a chronic condition. This I find is very poor claim management on their part. Luckily the condition has finally almost cleared and hopefully will not have to deal with so many claims soon. To me there is no reason to cover and antibiotic and the first refill but not the second refill. I give them a low rating based on the poor management of processing claims for chronic conditions. Also they should notify customer when they need more info not just the doctor.

I really wish human health insurance claims were as easy and quick as Embrace Pet Insurance! You always get to speak to a real person who answers the phone! We have an expensive accident prone dog who ate a soft/stuffed snowman toy and then broke a toe - Neither were cheap vet visits. Thank You Embrace for your fast turnaround on payment. I totally recommend you to friends.

After having used another pet insurance company with our last dog, we decided to try Embrace with our new puppy. We liked what the plan offered and chose to go with their highest coverage plan. So far, it has been great. Vet visits have been easily submitted and they are very good about letting you know the process along the way. While you might think the monthly premiums are a little higher than competitors, please read the fine print. With a new puppy, you want to make sure it's taken care of for a very long time. Highly recommend!

I cannot say enough positive things about Embrace Insurance. Easy to sign up, easy to submit a claim and speedy reimbursement. What more could you possibly want in pet insurance.

This is my first experience with pet insurance. I got it for our Gt. Pyrenees puppy never expecting to use it 2 months later. On a holiday weekend he developed a squishy lump on his shoulder the size of a large fist. By the time we got to the emergency clinic 60 miles away it had more than doubled in size. They drained it but it filled up again and 2 days later his regular vet drained it again. He no longer looks like he's auditioning for a canine role as the Hunchback of Notre Dame.After looking at pet insurance plans I chose Embrace. They . I believe, are affiliated with USAA and our son has been very pleased with USAA.