Embrace | Pet Insurance Review

The coverage is expensive, but I don't get much out of it. Last year, it would have been cheaper to just pay my (expensive, excellent vet) and skip the insurance. In part, because Embrace avoids paying out anything, it hassles both the paying customer and the veterinarians office, and I ended up paying for both the insurance AND the vet bills. I've never seen anything except "longer than average wait times" for customer service. It's like they think a US-based service won't have more customers try to call during the day, during their operating hours, and average the wait times for all 24 hours. For example, for each claim they expect the veterinarian to send the complete medical records of the dog. If you RECENTLY adopt a PUPPY and there isn't enough of a medical record, they'll call the medical record a summary and put the claim on hold indefinitely. It's a two month old puppy in for his second vet visit, this time because he's sick. How long do they think the record will be? I have never received a check from Embrace, though they claim they sent one for other services. A check that was $250 on an over $1700 claim, I might add. If you like paying double for the same amount of healthcare for your pet, this is the insurance for you. It's like paying someone so that you can do extra paperwork without any benefit. Oh, and it auto-renews and does not allow you to opt out of auto-renew. With most services, I like auto-renew, but I want to drop this "service" so much. My veterinary clinic works with other insurance firms the way human hospitals work with insurance firms. This is not the case with Embrace. I'm not saying that this is because Embrace is difficult to work with and doesn't pay out. I'm just saying that I've found Embrace difficult to work with, and it doesn't pay out and wouldn't be surprised if vet offices don't want to work with them because of this. The second star is only because they have a nice-looking website. I'm definitely getting scammed by Embrace and will drop them as soon as I figure out how. A feat that is proving to be challenging.

This was my first time using any pet insurance. My 1 yr old pup had an obstruction from something she ate and after 1 1/2 days in ICU and ended up needing surgery. After 3 1/2 days the cost was up there ! Embrace told me the first claim would end up closing appropriately 30 days after claim submitted due to the collecting of the pups medical records. They walked me through everything. Kept me updated as time passed. They were true to their word ! Approximately 3 weeks after claim submitted they direct deposited the amount promised !! I was so relieved. As a result, my daughter is contemplating getting Embrace for her dog as well !! I am 100% satisfied with this company. If you’re on the fence about getting Embrace as I was, wait no longer. Do it. They have many different levels to meet your budget. You can get as much or as minimal as you desire. Do it !!

Filing a claim is super easy.

Was very clear instructions and easy to submit claim.

Honestly this insurance sucks. I feel like none of you guys actually pay attention or care.