Embrace | Pet Insurance Review

Absolutely THE worst. We have been loyal customers for over 9 years. I have paid over $6000 in premiums. Never missed a payment. Always on time. Even after our monthly payments have tripled, I stayed. I have gotten ONE claim back for $46. That is it. When I signed up in 2015, they had a program where your deductible decreased if you didn't have any claims. Mine was down to $100. They have now decided to just get rid of that. NO notice. No email. No letter. No common courtesy. Nothing. There was no compensation. No trade off benefit. Just a "oh well" from them. We stayed and paid the increased premiums because of this benefit and they stripped us of it for no reason and no notice. Absolutely horrible company.

Easy in filing a claim.

I am grateful to Embrace for their thoughtful review of my recent claim. This was my first claim after having the policy for 2 1/2 years. I wasn't sure what to expect. I found the claims process to be fast and fair. I also had the procedure pre-certified with them and found that process to be accurate. This was such a relief during a difficult time. Good news is that our kitty Charlie has fully recovered from losing five teeth (and four last year).

Very easy to report, send receipts. Almost Instant response, rapid reimbursement!

Embrace knew what the precise hold up was whenever I called. The vet's office seemed to be the one that had missed something that Embrace required. The vet's office complained about not having proper contact information at Embrace (email, fax, website, etc.), I don't know if that information is readily apparent on all of the communications that originate with Embrace.