Embrace | Pet Insurance Review

They used the fact that the vet did not see a foreign object in his paw, despite the fact there was a very large wound, it was infected, and they needed to clean it out and prescribe antibiotics, as an excuse to deny the claim. They said since nothing conclusive was found, they could not cover the claim. When I pointed out that the vet said it could have been a foreign object, the claims adjuster had no reponse other than to say the vet did not find anything conclusive. I asked what else could have caused a large wound and needed the care that it did. Again no response. I am filing a claim with the insurance commissioner against them. I would love to be able to file a lawsuit against the adjuster personally for fraud, but I'm not sure it is worth the trouble. I might do so just to prove a point. Horrible company.

The worst . Very disappointed. They take the premium by never pay out .

Submitted a claim for the first time and very unhappy on their response to it so far. Refereed to my family member as "xpetx" in their auto fill spot. Tried to log into my account to dispute and got "The service is unavailable". Tried to call but they do not have access to anyone on weekend. See what happens next week.. hopefully can login/speak to someone.

I would give this a 5 but I just signed up and have no idea how they will perform when I need them. Beyond that, they offer a vast array of coverage including unlimited which I need for my Savannah cat. Better safe than sorry paying a huge vet bill.

Fantastic service submitting and receiving quick evaluation and payment of the claim. Very streamlined process and extremely appreciated for me and my pooch!