Embrace | Pet Insurance Review

Very easy to file a claim once background documents were provided payment was forthcoming. First time using.

I have had Embrace for years, I thankfully, never really had to use it until this year... When both of my dogs had serious medical conditions arise. Embrace was easy to use, extremely fast in reimbursement. And gave me the comfort of knowing I had one last thing to worry about. I tell everyone I know that has pets to use Embrace, even while I am sitting in the waiting room of the vets office.

I loved them year 1, but now I am in year 2 and my rates literally doubled +. I had to reduce coverage to make a semi reasonable payment. I live in Washington were vet expenses are ridiculous so you cannot be without insurance for your pets. I did call to "complain" or more accurately understand. She said you are not penalized for filing claims, rates are determined by inflation, deductible and coverage. So basically I will now be paying even more on the back end since many things are not going to be covered. Excellent customer service and they are pretty easy to use once you figure out how to do it.

Customer service person was very nice and knowledgeable… I’ve only had embrace for a short time but every time I’ve called customer service, they’ve been very nice to deal with

First time we filed they responded back with multiple requests to get records from the vet. After 2-3 exchanges they said we could apply the amount to the deductible. Second time I tried to file, repeat…send more paperwork and more paperwork, and again more paperwork. Obviously trying to wear you down to give up. Then after all paperwork my dogs claim was denied as a “illness” rather than injury. He injured his arm muscle playing with another dog. How is that an illness? Bottom line is they won’t pay. One major insurance scam after another. Do not waste your money. I spent over $1,000 here and could not get a $175 claim paid when I needed it. Just put $100 in savings every month and your better off.