Embrace | Pet Insurance Review

Embrace is the absolute best insurance provider, all 4 of our pups are covered, the wellness coverage is awesome, the illness coverage with Embrace is Awesome, the customer service is Awesome, the claim processing is awesome. I sleep better every night knowing our 4 pups are insured with with Embrace which is Awesome too.

I bought the wellness plan plus knowing that I was going to be visiting the Vet many times for puppy shots etc. the Wellness plan is sort of like a savings account you can pull from early. The $400 allowance will go a long way! Also, the money requested had a quick turnaround!

My first claims were for wellness check ups, and were received within a couple of weeks. Embrace always has immediately followed up on all correspondence and I received an email right after the claim payment making sure the payment was received and asking if there were any concerns. This is great business.

This is my first and last time using a pet policy insurance scam. I'd rather save the money for the vet since I'm going to have to pay anyway. In May I decided to obtai a policy because I had heard from others that it was a good thing. So I searched online and decided to go with Embrace. I have a rescue dog I had gotten in August so I knew that his hear condition would fall under preexistimg, however, to my surprise that after waiting a month for a $628 claim on removal of a cancerous tumor on my dogs cheek I was denied. I had to follow up numerous times due to insufficient vet reports though this was all submitted for approval of the policy in the 14 day grace period. It seems that a growth on the foot the initial vet and my current vet have dismissed as an overgrowth due to an infection from lousy care of the previous owners could be related to and therefore a preexistimg condition of the current tumor on the side of his cheek! Really?! Embrace says the vet report does not give them enough information as to whether or not the foot growth is cancerous. Hmm don't you think if it was they would have told me we would need a test to find out if cancerous instead of put a boot on it so it does scape and get a rug burn! Embrace said I could go through their appeal process and I told them they could have called the vet if they were uncertain if the two were related due to the reports. Obviously they read and determine a vets report based on if they want to pay or not pay. The p

I have submitted multiple Embrace pre-certifications, claims, and wellness reimbursements, and every time I receive thorough and quick communication and know that if I email or call with a question, it is answered well and quickly. The process has been very satisfying, especially when dealing with unexpected and upsetting illness of a loved family pet. Claims are processed very quickly, even when my vet has faxed the papers directly. Thank you!