Embrace | Pet Insurance Review

Our dog had a major unexpected surgery. I submitted the receipt to Embrace the day we brought him home and was reimbursed for 80%, less deductible in two days. Pretty remarkable!

They get a 2 star only because the representative was polite and seemed to try her best to help me. I have had 6 claims, all of which were supposedly at least partially reimbursed. Having been about 1 month since the last claim submission, I called them because I have never received the "deposited" money. The representative provided me with the last 4 digits of a bank account number. This number was not even close to any account I have. Even if I had transposed a number, it wasn't even close. They had no other information. All they could do was provide tracking ID's and told me I would have to call the bank and provide those number to them to trace the deposits. I am not sure how the bank is supposed to do that, especially if the number provided was not one of their account numbers. I had to contact Embrace again because the bank not only had to have the ID's, but associated amounts and dates to help with the search. Embrace claims that either myself or another person with access to my account put those numbers into my Embrace for direct deposit. Since the two fields are "Account Number" and "Routing Number", I know that I don't have those memorized so I would have to be looking at my physical checks to provide that information. I cannot conceive how I would have entered incorrectly, especially since I usually double or triple check when entering items such as account information. So, I am just waiting to hear back from my bank in the hops they find something. If they do, the I have to send documented information to Embrace so that they can "possibly" get my money to me. Otherwise, I guess I am just out of luck. I will follow up here if I can after anything changes. The date of experience is for the phone contact, not the submission of claims.

It's been a bit rough getting answers and the log in portal is down often.

Ease of input and ability to do multiple pets on 1 submission

The claims process was very straight forward and efficient. We submitted three claims due to a recent vet emergency and received funds from our claims within 4 weeks. The customer service offered from Embrace was awesome and they kept me copied on all correspondences with my vet office. Highly recommend Embrace to all of my pet friends.