Embrace | Pet Insurance Review

Pros: - it is easy and intuitive to submit claims - employees are friendly and pet-focused Cons: - the 1st claim can take over four weeks to review and process - the time it takes to process subsequent claims varies; sometimes reimbursements only take 48 hours, but you will likely wait the full three weeks on average - lack of communication when claims are “in review” - double check your initial intake paperwork for “pre-existing conditions” I met my deductible, have a $50 healthy credit, and $1,000 of dental illness coverage. I submitted a claim on 10/21 and am still waiting. When my husband and I called to inquire about the wait, we were told, “Embrace didn’t ask for additional documentation. I don’t see why this shouldn’t be processed within our 10-15 business day window.” Not exactly helpful. Please understand how frustrating it is to front thousands of dollars on top of monthly premiums, only to feel it’s going into the abyss when our babies are in need. I wish there was a better process in place for pet insurance across the board.

The representative was very kind and knowledgeable.

Made our first claim. Handled promptly and notified us from the beginning.

So far so good! The agent- Davon who assisted me was very knowledgeable, professional and friendly. He gave great advice and got me a fantastic rate for my 3 pets.

I would like to thank them very much for help make me get through this situation. It's the first time I filed a claim. Didn't know what I was doing so they were very helpful. And on every question I had I gave them five stars. Just being honest with me. Thank you for all that you have done.