Embrace | Pet Insurance Review

I've been using Embrace for about a decade. They've always been prompt in paying claims, and I don't feel like they're looking for every opportunity to avoid paying. Claim submission has gotten easier and easier over the years. I haven't needed support a lot, but they've been great when I have--giving me extra data about ultilization, or more recently, running multiple scenarios with me to look for the right cost/coverage fit. They were patient and seemed to genuinely want to make sure I got the best option for my situation, not just the one that made Embrace the most money.

Everytime i call they take great care of me and the reimbursement is normally very quick

My dog was 8weeks old when I opened this policy. His first vet visits were required to open this policy. Now, that I've filed claims I'm being told his claims are on hold for vet info for his health history 12 mos prior to opening the policy. He wasn't alive 12 mos before I opened the policy which is easily seen by the birthdate on the policy. So I call and they say there's nothing to do, just wait on the review process. After that I get an email saying the claims are on hold because they are still waiting on vet info from before he was alive. Beyond frustrated, customer service was just as confusing as these emails that I keep getting. About to cancel this policy. Customer service tells me to wait and emails come that say otherwise.

First use for a claim. The process was easy to set up.

Submitting claim was easy, I just hope I did it right!!!! I'm not real savvy on these computers!!!