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Embrace has exceeded my expectations
Embrace has exceeded my expectations. Managing claims through the app is a breeze and payments are received in a timely manner. I wish all insurance could be this easy!
Insurer: Embrace
By: JR
Bad Faith
Beware, they have the cheapest policy for a reason! I'm currently preparing for a bad faith claim against Embrace, and I would encourage the multiple other customers who are posting similar reviews to do the same. Paid for their service for an entire year for my two small, acute claims to be placed on hold indefinitely due to Embrace being "unable to obtain a prior physical from our vet to rule out pre-existing conditions". Please note, the diagnoses for these claims were "laceration" and "broken nail". Received several notices stating I did not need to take action, they would continue contacting the vet's office, and not to worry. Asked our vet to send the records to embrace, and they stated they had. I have used two vets offices in the past, but had only seen one of them within the past year. I contacted that vet myself and uploaded their physical to the portal within the requested time frame but continued to receive the "insufficient information" response. After multiple emails to Embrace about the status of my claims I finally decided to give up and cut my losses on the claim amounts. After calling to cancel and ask for a refund of my policy (since they withheld services for my claims due to "insufficient information" but continued charging my card) I was told I would not be able to be refunded for "their coverage provided to me" (again, none of my claims have been able to be processed. I would not consider that to be "coverage provided" and I doubt the bench will either). Per customer service since I had two vets listed in my portal they were awaiting records from the vet I hadn't seen in the past year (because they don't exist). Per the representative they have to have documentation from years prior even though I uploaded a physical from the other vet as requested. I called the other Vet myself and had records from over a year ago emailed to ME instead of requesting they be sent to Embrace. They were in my inbox within minutes, no questions asked.... Called customer service back and asked if they ever called the vet's office instead of trying to contact them via robot emails and was told "usually only after we have had several failed requests AND THE CUSTOMER ASKS US TO". Seems like they will do anything they can to take your monthly payment without working to help you or your pet! Hoping my claims will be fulfilled since I have taken action. If that is the case I will happily update my review from 1-star to 2.... but I'm not holding my breath.
Insurer: Embrace
By: Savannah
Great Insurance
I was reluctant to get insurance for my newly adopted furry baby, as I had pet insurance on my previous dog, with another carrier, and they would never reimburse any expenses. A friend told me about MetLife and that she was pleased, so when I adopted my new furry baby, I thought I would give it a shot. I have had an excellent experience with MetLife's coverage so far and would highly recommend them. In fact, I told a good friend about MetLife's pet insurance, and she purchased it as well and is also very pleased. It is good honest coverage. They cover what the plain advertises it will cover, and customer service is friendly and knowledgeable.
Insurer: MetLife
By: Kat
Embrace has exceeded all my…
Embrace has exceeded all my expectations about a pet insurance company. My Dog Cashew just underwent surgery for an injured knee. From the beginning, estimates were approved and payments for what's covered have been received by direct deposit within 3 days of making a claim. Website interface is easy to navigate, customer phone service is helpful too. I'm real happy that I got an Embrace police for Cashew. I highly recommend Embrace.
Insurer: Embrace
By: Luis L
Belinda was great she took her time and…
Belinda was great she took her time and helped me. Not everyone is computer savvy. Some people need a life person to talk to and I was very lucky that I got Belinda
Insurer: Fetch
By: Donna Skidmore
Exclusions
Was a member for a decade but apparently emergency dental surgery isn't covered under our accident and illness policy. I would have been much better served saving the nearly $70 a month on insurance and putting it in my shoebox. I had never made a claim before with them and this is how I was treated. Thanks for the money but we don't cover this emergency care because it's dental, as if that's somehow not urgent. Very disappointed
Insurer: Pets Plus Us
By: M
Best pet insurance ever
Best pet insurance ever, covered what our pet needed and after summiting a claim they send us a direct deposit very fast, if only human insurances could work this fast.
Insurer: Embrace
By: Mag
Additional charges, no discounts for auto or annual, difficult to cancel
They started charging a service charge for auto payment. Every other service company I pay offers a discount for auto pay, not additional charges. There is no discount for paying annually up front. Every other subscription I pay offers a discount for annual renewal, not a to-the-penny monthly X 12 total. Finally, making it difficult to cancel. Can't cancel through app or email, must call customer service, no 24hr representation, so I'm sure I'll have to be transferred to a retention specialist before this is all over.
Insurer: Spot
By: slack jaw
Easy to communicate and understand
Easy to communicate and understand
Insurer: Trupanion
By: customer