Embrace | Pet Insurance Review

Embrace has been great. I have peace of mind knowing that my dog has coverage now. The website is very easy to navigate and submitting claims very easy.

I registered for pet insurance with this company in May, and filed my first claims in September. Apparently they hadn’t received my pet’s files from our vet but didn’t tell me, so now it’s been almost 25 days since I submitted my claims and they have no response on them. They said they’d been contacting my vet “every 2-3” days for the files, which is ridiculous. If you contacted a company 50+ times and they didn’t respond to that communications method wouldn’t anyone with a degree of analytical and critical thinking try something else? They just checked the box when trying to get the files, and are now not responding to my claim because they “don’t have the information they need.”

Submittal of claims is easy and the customer service is always terrific!

Where do I start. Customer for 3 years. Claimed every condition wasn’t coverable due to everything being somehow related to anxiety when my dog broke a tooth. I got stuck with a $12000 out of pocket dental bill. Despite this and them not reembursing despite a written letter from the vet explaining that the accident had nothing to do with anxiety and me not claiming anything for the 2nd and 3rd year on a perfectly healthy dog other than the accident my premium went from $77 to $105/month on a $5000 policy that I had already reduced because they tried the same thing. If you do the math on the policies you might as well not have insurance. Anyways. Jacking premiums after the first year and then removing options to select for plan coverage to squeeze you into a cheaper risk category for more money is some really crap business ethics. Just another greedy company who is willing to squeeze every penny out of their existing clientele.

Had to take my pet to Emergency Vet that was indicated on the policy. She had started limping. After approximately 30 days was reimbursed minus deductible at my agreed policy rate. This was a little aggravating as my pet had never had any lameness before but Embrace was doing their job.