Embrace | Pet Insurance Review

I am pleased with the results of my first claim with Embrace. Previous pet insurers blamed everything on pre-existing conditions; Embrace reviewed the data and covered the claim appropriately. This was much appreciated. The timeliness of claim review was not as impressive, as it took a month to receive a response, but Embrace contacted me several times to let me know they were managing a large number of claims and that I had not been forgotten. I appreciated that as well.

Wellness claim was handled quickly and reimbursement was very fast. So far, so good!

I have made many claims over the 5 years I have had this policy. Embrace always pays what they say they will pay. My last claim was paid very promptly.

I signed up for Embrace because of it's rankings and price. First had to do the ortho waiver which both of my pets passed with a clean bill of health. Then 3 weeks later, they asked us to contact our vet to have them fax the medical records. My complaint is, why didn't they have us do this when we did the ortho waiver(?) My vets complaint, understandably so, is why should he tie up his office staff even more faxing in the records when we were first there? Thus, he refused since he already gave the dogs a clean bill of health. Also, I saw in the fine print that after you send in the records, they will only be reviewed when a claim is filed UNLESS you request them to be reviewed earlier. This is definently a loophole for them to deny claims, and is a very ticky-tacky way to do business. Needless to say, I cancelled and went with another company.

Embrace is the third pet insurance I've tried and I have to say I have been very happy with their services thus far. They are in constant communication with you from the minute you sign up and getting my first check from them was hassle free and fast. Their policies are clear and there are no hidden exceptions.