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Cheating their customers
I have 3 pets with Embrace, but had fortunately never had to file a claim. The first claim I filed was for my cat, who has a congenital knee injury, and had broken her femur. The first claim was rejected because they said she had injury (which she didn't - a knee is different than a femur) even with Xrays and a surgeon's letter saying her knee injury had nothing to do with the break. Then they changed their argument and said the injury could have been old, like she's been hobbling around the house with a broken leg for months. But then I had my primary vet's notes who had just seen her weeks before saying she was running around and playing like a normal cat. Then they said the initial ER Dr. didn't immediately identify her broken femur, so it didn't really exist. But as soon as the orthopedic specialist saw it, he said she needed surgery immediately because it was already starting to set itself. Basically, every asinine argument they had, I had a perfectly reasonable counter argument for it until they finally said it was at their discretion and the case was closed. They never even mentioned the possibility of a second claim to dispute their findings until I had read through the fine print and requested it. Then they had an independent orthopedic vet advise them and our orthopedic vet wrote a more detailed letter when they eventually ruled in our favor. The entire process took several weeks and even though Embrace says to sit back and "They'll take care of all the work," I was the one who collected all the information to present to the adjusters. They collected the minimum amount of information possible to deny my case and nothing more. Even when the evidence was overwhelming clear that they should be paying the claim, they fought it tooth and nail. I realize they're an insurance company and their job is to save money, but they shouldn't go so far as to do it at all costs and cheat their customers.
Insurer: Embrace
By: Beth Ruberry
Super easy to submit Claims
Super easy to submit Claims, and super fast review! Love it!
Insurer: Fetch
By: Amanda
SMOOTH, submission with all needed documents at hand, which should be provided by the treating provider.
It was a smooth process with all the needed documents supplied by the treating provider.
Insurer: Embrace
By: Edward
Well explained
Well explained
Insurer: Prudent Pet
By: Cristhian O Padilla Lopez
Best Decision Ever
I got a new Mini-Goldendoodle puppy about two months ago and the breeder required that I show proof of insurance for Injury & Illness through Fetch. I never had pet insurance before and was skeptical at first. I couldn't be happier with the coverage and process. My puppy got into a few bits of trouble and the insurance coverage was a relief!
Insurer: Fetch
By: Kenny Kunz
Embrace came through!
This is the first time I’ve purchased pet insurance and I am so thankful that I did! My 15 month old puppy became violently ill after a possible ingestion of a toxic algae. Long story short, the bill surpassed the deductible and having insurance took the guilt or worry about treatment decisions away. Embrace’s customer service was excellent, and I was reimbursed within 3 business days of submitting my claim. The submission process was also very easy. Pets are part of our family. Embrace now is as well.
Insurer: Embrace
By: Heidi
The worst
The worst! We have been paying top price for four years and they just told us our plan doesn't exist anymore, we have to get a new plan, pre-existing conditions won't be covered, and because our dog are old, they won't give them full coverage anymore. OUTRAGEOUS!!!
Insurer: Nationwide
By: SW
Spot pet insurance was Excellnt and…
Spot pet insurance was Excellent and Prompt for my pet, and for coverage in pay for my vet cost
Insurer: Spot
By: Kerry Alexander