Embrace | Pet Insurance Review

Excellent Pet Insurance company with unsurpassed customer service. My experience with claim reimbursements have been completed and deposited (via direct deposit) within a few days of my veterinary office visit.Highly recommend to any pet owner seeking medical coverage for their pet, especially with the high cost of veterinary costs in today's marketplace. My veterinarian's office staff mentioned to me that I was the first of their client's to have Embrace as my dog's medical insurance carrier and now several of their clients have joined in with Embrace as their choice of insurance companies. At their office, Embrace out of all other insurance companies is the most streamlined to work with on behalf of their clients.

Embrace has been very good, the turn around for a claim refund is very quick. They cover the actual cost of the treatment rather than an allowance for each service provided.

Embrace has always handled my claims quickly and efficiently. Most recently, there was an issue regarding a portion of my claim which would not be covered under normal circumstances. After further review, the claims department was able to see that the portion under review was medically required and happily covered it in a timely manner.

All of our claims were denied. My dog had never been diagnosed with a uti, but because she had another issue in the region that was entirely different they denied our claim and said she had been diagnosed with one previously, which she had not. Also denied our claim that involved a bacterial ear infection (that did have a little yeast) because she had had a yeast infection in her year 7 months before.

Got coverage for my puppy including the "we'll care" option for vet exams, immunizations, flea and tick medicines, etc... So far I have gotten all my claims promptly with no hassles and I did it all electronically by emailing PDFs of my receipts and forms. I have yet to have a medical claim, but based on the experience thus far, I'm not too concerned.