Embrace | Pet Insurance Review

Well put together organization. Makes it so very easy for me to ensure my pet recieves the very best care. Great Job

I put in a claim Tuesday evening, it was approved the next day and the money was in my account that evening. It doesn’t get any better than that.

I have to admit that I was skeptical about buying an insurance policy for my dog. That being said Embrace pet Insurance is true to their word. I ended up having an emergency with my dog. I submitted the paperwork to Embrace, they covered what my policy said they would. I would definitely recommend Embrace. Great company.

I have 3 pets with Embrace, but had fortunately never had to file a claim. The first claim I filed was for my cat, who has a congenital knee injury, and had broken her femur. The first claim was rejected because they said she had injury (which she didn't - a knee is different than a femur) even with Xrays and a surgeon's letter saying her knee injury had nothing to do with the break. Then they changed their argument and said the injury could have been old, like she's been hobbling around the house with a broken leg for months. But then I had my primary vet's notes who had just seen her weeks before saying she was running around and playing like a normal cat. Then they said the initial ER Dr. didn't immediately identify her broken femur, so it didn't really exist. But as soon as the orthopedic specialist saw it, he said she needed surgery immediately because it was already starting to set itself. Basically, every asinine argument they had, I had a perfectly reasonable counter argument for it until they finally said it was at their discretion and the case was closed. They never even mentioned the possibility of a second claim to dispute their findings until I had read through the fine print and requested it. Then they had an independent orthopedic vet advise them and our orthopedic vet wrote a more detailed letter when they eventually ruled in our favor. The entire process took several weeks and even though Embrace says to sit back and "They'll take care of all the work," I was the one who collected all the information to present to the adjusters. They collected the minimum amount of information possible to deny my case and nothing more. Even when the evidence was overwhelming clear that they should be paying the claim, they fought it tooth and nail. I realize they're an insurance company and their job is to save money, but they shouldn't go so far as to do it at all costs and cheat their customers.

It was a smooth process with all the needed documents supplied by the treating provider.