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Easy to complete and upload claim…
Easy to complete and upload claim document
Insurer: Embrace
By: C L
Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company
Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company I have never written a negative review before. Typically, when I encounter a bad experience, I try to resolve it directly and find an amicable solution. However, that was impossible with Embrace. I purchased a policy for my yellow lab—my child—a few months ago and followed every rule in their book to ensure that, if and when I needed to file a claim, it would be handled fairly, ethically, and professionally. I submitted all required medical records dating back to 2023, completed orthopedic examinations, and even called to confirm the absence of pre-existing conditions. I did everything right. Yet, when I submitted my very first claim—for a simple case of diarrhea—it was denied. Embrace falsely linked it to an isolated, one-time incident of hypersalivation, which was completely unrelated. Their process is designed to delay, deflect, and deny rather than support their customers. This company operates unethically, immorally, and, in my opinion, engages in deceptive business practices. Embrace is a fraud—stay far away! Update: Embrace has labeled a single, isolated instance of hypersalivation from March 2024 as a “pre-existing condition.” This one-off occurrence, which has never happened again, was linked to my claim for vomiting and diarrhea—yet they deemed it pre-existing. If this isn’t fraudulent, unethical, and morally wrong, I don’t know what is. Stay away from Embrace, folks—you’ll thank me later.
Insurer: Embrace
By: Sandeep Kumar Mahajan
The process to submit the claim is…
The process to submit the claim is pretty smooth and quick. The customer service is quick in responding too and nice.
Insurer: Pumpkin
By: customer
Lacking important information
There was no indication before binding that there was a two week underwriting review before an effective date is given. No other pet insurance carrier does that and it seems over the top for this line of business.
Insurer: Nationwide
By: Heather
I've had embrace for three and a half…
I've had embrace for three and a half months and when I was traveling with my puppy she got intoxicated so she had to stay at the emergency pet hospital, when everything was over with and I put in my claim they were extremely fast working on it and also very patient with me when I had questions and they explained the deductible and everything in a way that it was easy for me to understand, so I'm very satisfied with Embrace.
Insurer: Embrace
By: Martha Thornton
So Far no hassel and helpful
So Far no hassel and helpful
Insurer: Pumpkin
By: Springer's Mom
I made a big mistake going with…
I made a big mistake going with Nationwide for pet insurance for my puppy. Sure, signing up is a breeze, and they accept your monthly premium with no problem but claims are NOT paid out quickly! I submitted my first claim for $388 and I was informed that processing time takes 30 days. Further, they wanted medical records for my puppy previous to the claim date, which I sent in. Now they’re asking for more medical records to which I already sent because my puppy has only been to two clinics. I can’t believe I’m waiting 30 days now for a $388 claim. Imagine if it was more?! Plus, my account information is not even updated. The claim status is showing “closed.” I asked why and I was informed it reflects “closed “ when more information is needed. I don’t believe some of the other reviews- Nationwide is clearly not the best!
Insurer: Nationwide
By: jo israel
Working with Ash and him taking time to…
Working with Ash and him taking time to explain the types of coverage was extremely helpful! All my questions were answered and he was so patient! From the get-go, I can tell that I will continue to have excellent customer service from Embrace
Insurer: Embrace
By: Trish Scalercio
Life Saving
Thanks again Pumpkin for enabling us to save the lives of all 3 of our kitties. We pay for that peace of mind, and you guys follow through. <3
Insurer: Pumpkin
By: customer
Spot is Great
Spot is Great. I submitted the paperwork and it was just a few days and they paid me. They are reasonably priced and helpful. Thanks Spot!!!
Insurer: Spot
By: PATRICIA BROWN