Embrace | Pet Insurance Review

There was a small problem getting the notes from an Emergency Vet Clinic, but the customer service at Embrace helped me solve that problem quickly. After that, my claim was processed very quickly.

the online process for filing claims is fast and easy. I get automatic deposits when approved. This takes less than a week usually.

Excellent turn around with my pets claim. This is the best insurance for your pet, they are fair, reasonable and the website is so easy to use. I highly recommend this Pet insurance .

This is my 2nd review - I'm SO happy that I chose Embrace Pet Insurance. Excellent coverage, customer service, speed of claim processing, and best of all Embrace stands by the product they sell - peace of mind.

Absolutely horrible company, claiming vomiting and diarrhea are pre-existing conditions regardless of the reason and any future claims for the next 12 months will be denied if they involve vomiting and diarrhea. Language from Embrace included: "A pre-existing condition can be a clinical sign of an actual diagnosed condition; however, we do not need an actual diagnosis for a clinical sign in order for it to be pre-existing." What? Clearly stating they do not need an actual diagnosis to deny a claim. Vomiting and diarrhea are symptoms, not pre-existing conditions, and can be caused by any number of diseases, incidents, etc. To arbitrarily deny any future claims regardless of the reason is absurd. This company has earned its reputation for baseless declines and I strongly recommend finding another insurer. In addition, very poor customer service with adjusters that have no direct lines...it's impossible to get in touch with anyone, let alone the same person.