Embrace | Pet Insurance Review

I wanted to love these guys. I'd had a very positive experience with my previous company, but the premium prices were escalating rapidly. I was able to insure both of my dogs for the price I had been paying for one. The catch was that, even after two full years with this company, they continually declined every single claim, based on "needs more documentation," or in one case, my dog had had a small blemish, which had been looked at about 3 years earlier. When the doctor elected to remove it, this was declined as a pre-existing condition. It was basically a pimple, and these guys informed me that all such claims would now be excluded. I decided that if we were going to have to plan on covering all vet bills and nothing was covered, I wasn't going to pay premiums as well. I'll put that money in a special account and it'll be there when we need it. Also, they notified us that our premiums were going from $167 a month to $350 a month. No thanks.

One been a customer for over 4 1/2 years. In the beginning I really liked the service. They were quick to review claims and fund them. Phone calls were answered in a short period of time. In the last year, I feel that services have declined. Phone calls can take over an hour before they’re answered. Claims will sit in review for weeks. All in all I feel like the service is not as efficient as it once was.

Easy to use. Quick results.

Embrace makes it easy to file a claim online. About 45 minutes after I filed my claim I received notification that it was approved. Because I signed up for direct deposit the money will go to my bank. I also spoke to a representative to recover my account and he was fantastic.

I was happy with the speed once all documents were provided. There was a small delay because more records were requested, but once that happened I was able to get my reimbursement quickly. We've had this service for years and it came through when our baby had an emergency.