Embrace | Pet Insurance Review

This is a very caring Company. Keeping Harper healthy is number to me. Claims are always fast and easy. Thank you Embrace!

Simple and reliable claim submission. Embrace communicates with you throughout the claim process, which is helpful. Customer service representatives are very compassionate and answer questions thoroughly.

Got Embrace for our indoor cat and had it for one year before canceling due to repeat claim denials. When we tried to submit a claim for our first vet visit while covered by Embrace we were denied because we were apparently still within a waiting period we did not know about. More recently, when we brought our cat in for xrays to diagnose a cough she had developed, our claim was again fully denied by Embrace. Embrace said they dug up a vet record from nearly two years earlier, when we brought in our cat for persistent hairballs, that included the word “cough” in the symptoms so Embrace made the executive decision to call any and all coughs from our cat a “chronic condition” that was excluded from any coverage present or future. We wasted more money than we should have on this so called insurance company that wouldn’t even discuss the idea that coughs developed two years apart could be unrelated conditions with different causes. Now they have the audacity to keep sending me spam emails asking for my business back.

I love the overall service, the insurance, but you MUST look into fixing your phone App. It does not allow you to attach a pdf doc on the claim submission process. You have to either attach a photo taken or something from your photo library. Attaching an ordinary file (which most invoices are going to be), is not an option. There are workarounds, and the website does this, but why not make this simple/easy update to your App????

We have had embrace ins for our dogs for a couple of years now--we are satisfied with their response time and follow through. I highly recommend embrace pet insurance!