Embrace | Pet Insurance Review

Adjusters don't read attached documents or notes. This is the second claim where the adjuster failed to thoroughly read attached documents and associated notes. Because of this they have denied a claim because the claim system didn't have a matching diagnosis in the subject pull down menu and only paid 50% of the submitted items on a second. I wish I had researched this company better before purchasing policies.

The company lied about coverage and refunded their premium money when they didn’t want to stand by their policy. I have already filed a complaint with the California department of insurance regarding this.

Superb service! Easy to navigate website and clear explanations for claim submission.

I've had Embrace for over four years for my cat Buttercup. The payments have always been timely, the coverage includes a wellness benefit and the customer support is exceptional. And, the premiums were reasonable and I was pleasantly surprised that they didn't Increase significantly with an aging cat. In fact, the coverage was so extraordinary, we were able to proactively address most issues before they became significant. Buttercup recently crossed the rainbow bridge due to an aggressive cancer. I had just renewed her policy. I was surprised and comforted by the support Embrace gave us through this transition. Everything was covered, even in home euthanasia and the emergency visit to the vet where we received the diagnosis. And, although I didn't expect it, the prorated premium we just paid was refunded less than a week later. That premium will be saved for the next furbaby we adopt to acquire a new Embrace account. Thank-you so very much Embrace for a great experience in good times and bad.

I have had to file claims for 2 different dogs over that past few years and have found it easy to file the claims and have found this company responsive to them. They did verify the claims with the veterinarians involved, but unlike so many insurance companies, they did not try to disallow anything that my plan was supposed to cover. I will continue to use them for pet insurance.