I know this might seem a bit onerous BUT

Out of 10

I have never used a pet insurance. My Vet recommended Embrace and another insurance company. I decided on Embrace and I am very disappointed in my claim results. My cat had an accident that caused the following Diagnosis: Fractured left rostral mandible, Luxated tooth, Complicated crown-root fractures on four teeth. Wire splint, surgical extraction of tooth on the four teeth, Gracie had a broken lower left jaw and four broken teeth. I submitted my claim to Embrace. My claim was for $2,430.96 and they only will reimburse me $1934.37. The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered signed up for Embrace a few months ago. I know being in the insurance business or claims is not an easy job to do especially when you are not give all the information to process when requested. However I just some friendly input, sometimes everyone should check with others to make sure that no one else has been working with the insured already. Since getting the insurance with Embrace I have received 22 emails to date and counting. The last thing someone needs is to be reminded every couple of days that information is needed to process the claims. I was and still am and will always be worried about my little girl Gracie. I had not slept in over 48 hours since she got hurt real bad I did not want anything to happen to her I MISSED WORK UNPAID SINCE MONDAY from her getting hurt.

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Broen Jaw & Teeth
Claim Amount
Over $1000

Domestic Mediumhair

Age of Pet
1 - 8

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Posted: 02/26/2014

I'm sorry to hear you are disappointed in your payout Jon. The difference between the claim and the payout is the 20% copay percentage that you chose for Gracie's coverage.

Posted: 07/22/2014

I think some of these reviewers need to read the policy more closely. We selected a policy with a $200 deductible, and a 20% co-payment. So if our bill is $200 or less, we're not getting any money reimbursed.
Jon, you stated that, "The reason that people get insurance is to help with the cost of vet bills in an emergency." I would consider $1900 of a nearly $2500 bill to be a big help personally, which as Laura stated, is what you were entitled to after your 20% copay.

Leaving a bad review just because you didn't read or understand the policy is an unfair representation of your experience with the company.